3940 Co Rd 26, Centre, AL 35960 Property Records

Cherokee County property record for 3940 Co Rd 26, Centre, AL 35960 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2,296 sqft · built 2001
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Sep 2018)
Tax Bill	$1,133 (2025)
Deeds & Mortgages	Jan 2018 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-16-0-000-001.009`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-16-0-000-001.009`
Alternative APNs	`ALT APN:1405160000001009` `206197`

Interior

Stories	2 Stories
Building Area	2,296 sqft Living Area
Upper Floors Area	920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	110 sqft
Deck Area	240 sqft

Location & Zoning

Account Number	206197
Street Address	3940 COUNTY ROAD 26
City	CENTRE
State	AL
Zip	35960-6806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR NE/4 NE/4; S 558.36'TO POB; CONT S 100';E233.19';N 100.97';W 216.84'TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4010
Census Tract	956000

Owner

Source: Cherokee County records · APN 13-14-05-16-0-000-001.009

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 05, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage VETERANS UNITED HOME LOANS
May 03, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Sep 04, 2018	Survivorship Deed, Transfer · Stand-Alone First Mortgage AMERIS BANK
May 31, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2018 · Amount on Record
Deed Sale	Sep 04, 2018 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	204246
Record Updated	Jun 08, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806
Transaction Type	Mortgage
Record Updated	Jun 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200987
Date	Jan 05, 2018
Instrument	200987

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806
Transaction Type	Mortgage
Record Updated	Jun 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217969
Date	May 03, 2021
Instrument	217969

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Interest

Rate Type	Fixed Rate

September 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 04, 2018
Property Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806
Document Number	0000204246
Instrument Date	Aug 31, 2018
Instrument	204246
Transaction Type	Transfer
Record Updated	Jun 08, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000204247
Date	Sep 04, 2018
Instrument	204247

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 31, 2017
Property Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806
Document Number	198148
Instrument Date	May 30, 2017
Instrument	198148
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 COUNTY ROAD 26, 3940, CENTRE, AL 35960-6806

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3940 COUNTY ROAD 26, CENTRE, AL 35960-6806

Mortgage

Document Number	0000198149
Date	May 31, 2017
Instrument	198149

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,133.00 Homeowner's exemption	$23,360 (-) Land $560 Building $22,800	$252,200 (-) Land $5,500 Building $246,700
2024	$1,133.00 Additional exemption filed	$23,360 (-7.45%) Land $560 Building $22,800	$252,200 (-) Land $5,500 Building $246,700
2023	$1,133.00 Homeowner's exemption	$25,240 (+934.43%)	$252,200 (-) Land $5,500 Building $246,700
2022	$1,133.00 Homeowner's exemption	$2,440 Land $560 Building $1,880	$252,200 Land $5,500 Building $246,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010199560004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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