345 Co Rd 540, Centre, AL 35960 Property Records

Cherokee County property record for 345 Co Rd 540, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,010 sqft · built 2008
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$12,995 (May 2020)
Tax Bill	$1,096 (2026)
Deeds & Mortgages	Jul 2024 Mortgage Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-14-01-11-0-000-003.005`

Property Details

APN / Parcel Number

Primary APN	`13-14-01-11-0-000-003.005`
Alternative APNs	`ALT APN:1401110000003005` `209784`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	1,436 sqft
Upper Floors Area	574 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Mixed
Porch	Slab
Porch Area	360 sqft
Deck Area	320 sqft

Location & Zoning

Account Number	209784
Street Address	345 COUNTY ROAD 540
City	CENTRE
State	AL
Zip	35960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, SAND VALLEY SD # 2, PB 9 PG 87 BEING THE N55 OF SD LOT
Legal Range	09E
Legal Township	10S
Legal Section	11
Legal Subdivision	SAND VALLEY SD # 2
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5008
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	325 COUNTY ROAD 540, CENTRE, AL 35960-6327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 21, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2020 · Amount on Record
Deed Sale	May 12, 2020 · Amount on Record
Prior Sale	Apr 21, 2020 · Amount on Record
Deed Document Number	202067
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	345 COUNTY ROAD 540, CENTRE, AL 35960-6327
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 COUNTY ROAD 540, CENTRE, AL 35960-6327

Mortgage

Document Number	0000234698
Date	Jul 18, 2024
Instrument	234698

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	May 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 21, 2020
Property Address	COUNTY RD, CENTRE, AL 35960
Document Number	0000211771
Map Reference	DOC 145978
Instrument Date	Apr 16, 2020
Instrument	211771
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 695, CENTRE, AL 35960-0695

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 COUNTY ROAD 540, CENTRE, AL 35960-6327

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	$1,096.00 (+7.24%)
2025	$1,022.00 Homeowner's exemption	$6,800 (-) Land $560 Building $6,240	$255,900 (-) Land $5,500 Building $250,400
2024	$1,022.00 Additional exemption filed	$6,800 (-73.44%) Land $560 Building $6,240	$255,900 (-) Land $5,500 Building $250,400
2023	$1,022.00 Homeowner's exemption	$25,600 (+276.47%)	$255,900 (-) Land $5,500 Building $250,400
2022	$1,022.00 Homeowner's exemption	$6,800 Land $560 Building $6,240	$255,900 Land $5,500 Building $250,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 99.1% of the US · lower than 99.8% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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