3555 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 3555 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	4,812 sqft · built 2004
Lot Size	3.51 acres (152,896 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	May 2025 Line of Credit Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-07-35-0-000-024.002`

Property Details

APN / Parcel Number

Primary APN	`13-13-07-35-0-000-024.002`
Alternative APNs	`ALT APN:1307350000024002` `4930`

Interior

Stories	2 Stories
Building Area	4,812 sqft Living Area
Upper Floors Area	1,604 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Wood Shingle
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	152,896 sqft (3.51 acres)
Porch	Open Porch
Porch Area	160 sqft
Shed	1 Shed

Location & Zoning

Account Number	4930
Street Address	3555 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-5338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SE COR SW/4 SE/4; N 1320';W 700'TO POB; N 645.56'; W250';S 645.56'; E 250'TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3005
Census Tract	956102

Owner

Source: Cherokee County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 9, 2022	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 30, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 20, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000238654
Date	May 13, 2025
Instrument	238654

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224710
Date	Jun 9, 2022
Instrument	224710

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	215226
Date	Nov 13, 2020
Instrument	215226

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210807
Date	Jan 30, 2020
Instrument	210807

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3555 COUNTY ROAD 40, CENTRE, AL 35960-5338
Transaction Type	Mortgage
Record Updated	Jul 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 198402
Date	Jun 20, 2017
Instrument	198402

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	BETHLEHEM, PA 18018

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	Additional exemption filed	$3,540 (-90.5%) Land $1,600 Building $1,940	$408,800 (+9.74%) Land $16,400 Building $392,400
2023	Additional exemption filed	$37,280	$372,500 Land $14,900 Building $357,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 64% of the US · above 84% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
TDS Telecom DSL	25 / 5

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 40

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures