Cherokee County property record for 3707 Co Rd 16, Centre, AL 35960 · Last verified December 2025
| Property Type | Other > Other Improved |
|---|---|
| Year Built | Built 2020 |
| Lot Size | 653,400 sqft (15 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $51.00 (2025) |
| Primary APN | 13-12-09-30-0-000-023.000 |
|---|---|
| Alternative APNs |
|
| Year Built | Built 2020 |
|---|---|
| Lot Area | 653,400 sqft (15 acres) |
| Shed | 1 Shed |
| Account Number | 6693 |
|---|---|
| Street Address | 3707 COUNTY ROAD 16 |
| City | CENTRE |
| State | AL |
| Zip | 35960-4761 |
| Property Usage | Other Property Usage |
| Type | Other > Other Improved |
| Legal Description | COM @ NW COR;SW/4;SE/4;E756 TO POB;N650;W210;N665;E225;S131;SE118;E498.9;S935;W800 TO POB |
| Jurisdiction | CHEROKEE AL |
| Minor Civil Division | SPRING GARDEN |
| Census Blockgroup | 1 |
| Census Block | 1028 |
| Census Tract | 956101 |
Source: Cherokee County records · APN 13-12-09-30-0-000-023.000
Assessment roll updated January 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 181 COUNTY ROAD 701, CENTRE, AL 35960-4654 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK |
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALABAMA TEACHERS CU |
| Aug 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage F & M BANK |
| Sep 25, 2018 | Deed of Trust, Mortgage · Line of Credit RIVER BANK & TRUST |
| Mar 10, 2017 | Deed of Trust, Mortgage · Stand Alone First Mortgage UNION STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 3707 COUNTY ROAD 16, CENTRE, AL 35960-4761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000218478 |
|---|---|
| Date | Jun 01, 2021 |
| Instrument | 218478 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 3707 COUNTY ROAD 16, CENTRE, AL 35960-4761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000221540 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 221540 |
| Name | ALABAMA TEACHERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 1% |
| Max Rate At Change | 6% |
| Index | Prime Rate |
| Margin | 1 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 3707 COUNTY ROAD 16, CENTRE, AL 35960-4761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000213427 |
|---|---|
| Date | Aug 03, 2020 |
| Instrument | 213427 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 27, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 3707 COUNTY ROAD 16, CENTRE, AL 35960-4761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000204587 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 204587 |
| Name | RIVER BANK & TRUST |
|---|---|
| Type | Bank |
| Address | AUBURN, AL 36830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 3707 COUNTY ROAD 16, CENTRE, AL 35960-4761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000197065 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 0197065 |
| Name | UNION STATE BANK |
|---|---|
| Type | Bank |
| Address | CENTRE, AL 35960 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51.00 (+2%) Additional exemption filed | $1,440 (+1.41%) Land $840 Building $600 | $62,000 (+9.35%) Land $56,100 Building $5,900 |
| 2024 | $50.00 Additional exemption filed | $1,420 (-) Land $840 Building $580 | $56,700 (+301.84%) Land $51,000 Building $5,700 |
| 2023 | $50.00 (-15.25%) | $1,420 (-) | $14,110 (-75.11%) Land $8,410 Building $5,700 |
| 2022 | $59.00 | $1,420 Land $840 Building $580 | $56,700 Land $51,000 Building $5,700 |
Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 65% of the US · above 84% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 321 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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