3425 Co Rd 22, Centre, AL 35960 Property Records

Cherokee County property record for 3425 Co Rd 22, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,288 sqft · built 1950
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Sep 2025)
Tax Bill	$801 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-19-0-000-010.001`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-19-0-000-010.001`
Alternative APNs	`ALT APN:1304190000010001` `211512`

Interior

Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)
Porch	Slab
Porch Area	104 sqft

Location & Zoning

Account Number	211512
Street Address	3425 COUNTY ROAD 22
City	CENTRE
State	AL
Zip	35960-8341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SW CR SE/4 NE/4, SW 260', SLY 125' TO NW R/W CO RD 22,SELY 220' ALG SD R/W, N 335' TO POB
Legal Range	10E
Legal Township	10S
Legal Section	19
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5027
Census Tract	956000

Owner

Source: Cherokee County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Feb 10, 2021 · Amount on Record
Deed Document Number	2025240631
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000226220
Date	Sep 16, 2022
Instrument	226220

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 30, 2025
Property Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341
Document Number	0000240631
Instrument Date	Sep 29, 2025
Instrument	240631
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341
Investor	Possibly a Property Investor

Mortgage

Document Number	0000240632
Date	Sep 30, 2025
Instrument	240632

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 10, 2021
Property Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341
Document Number	0000216571
Map Reference	DB A217 PG 163
Instrument Date	Feb 9, 2021
Instrument	216571
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 COUNTY ROAD 22, CENTRE, AL 35960-8341

Mortgage

Document Number	0000216572
Date	Feb 10, 2021
Instrument	216572

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$801.00 (+22.48%)
2025	$654.00 (+5.65%)	$14,700 (+5.6%) Land $1,880 Building $12,820	$77,900 (+5.7%) Land $9,400 Building $68,500
2024	$619.00	$13,920 (-5.56%) Land $1,720 Building $12,200	$73,700 (-) Land $8,600 Building $65,100
2023	$619.00	$14,740 (+480.31%)	$73,700 (-) Land $8,600 Building $65,100
2022	$619.00	$2,540 Land $1,720 Building $820	$73,700 Land $8,600 Building $65,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people · EPA ID AL0000188
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE (outdoors only), no 5G reported

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