Cherokee County property record for 397 N River St, Centre, AL 35960 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1,964 sqft · built 1988 |
| Lot Size | 1.98 acres (86,249 sqft) |
| Owner | Individual Name on File |
| Last Sale | $258,000 (May 2022) |
| Tax Bill | $2,011 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-05-22-2-002-013.001 |
| Primary APN | 13-14-05-22-2-002-013.001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,964 sqft Living Area |
| Interior Walls | Paneling |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 86,249 sqft (1.98 acres) |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Account Number | 215069 |
|---|---|
| Street Address | 397 N RIVER ST |
| City | CENTRE |
| State | AL |
| Zip | 35960-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM NW COR LOT 13, WEBB ADD S/D, PB 3/4, S 170' TO POB,W 200', S 396', E 200', N 396' TO POB |
| Legal Subdivision | WEBB ADDITION |
| Legal Lot Number | 13 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 956000 |
Source: Cherokee County records · APN 13-14-05-22-2-002-013.001
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 | 397 N RIVER ST, CENTRE, AL 35960-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2022 · Amount on Record |
| Deed Sale | May 12, 2022 · Amount on Record |
| Prior Sale | Jan 10, 2007 |
| Deed Document Number | 224230 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | May 12, 2022 |
| Property Address | 397 N RIVER ST, CENTRE, AL 35960-1410 |
| Document Number | 0000224230 |
| Map Reference | PB 3 PG 4 |
| Instrument Date | May 05, 2022 |
| Instrument | 224230 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 397 N RIVER ST, CENTRE, AL 35960-1410 |
| Document Number | 0000224231 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 224231 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
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 | $2,011.00 | $36,000 (+339.02%) Land $1,400 Building $34,600 | $214,000 (-) Land $7,000 Building $207,000 |
| 2024 | $2,011.00 (+1.06%) | $8,200 (-80.64%) Land $1,400 Building $6,800 | $214,000 (+1.04%) Land $7,000 Building $207,000 |
| 2023 | $1,990.00 (+168.56%) Homeowner's exemption | $42,360 (+1,492.48%) | $211,800 (+25.47%) Land $4,800 Building $207,000 |
| 2022 | $741.00 Homeowner's exemption | $2,660 Land $720 Building $1,940 | $168,800 Land $7,100 Building $161,700 |
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 51% of the US · above 62% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 917 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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