401 Garrett Dr, Centre, AL 35960 Property Records

Cherokee County property record for 401 Garrett Dr, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,553 sqft · built 1952
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on Record
Last Sale	$135,500 (Oct 2018)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-005-012.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-005-012.000`
Alternative APNs	`ALT APN:1405223005012000` `206384`

Interior

Stories	1 Story
Building Area	2,553 sqft Living Area
Upper Floors Area	485 sqft
Basement Area	693 sqft
Finished Basement	693 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	58,370 sqft (1.34 acres)
Garage Type	Carport
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft

Location & Zoning

Account Number	206384
Street Address	401 GARRETT DR
City	CENTRE
State	AL
Zip	35960-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 - 8, BLK B, GARRETT-WOOD ADD S/D, PB 4/21
Legal Subdivision	GARRETT-WOOD
Legal Block	B
Legal Lot Number	6-8
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4037
Census Tract	955900

Owner

Source: Cherokee County records, as of November 26, 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 Record
Co-owner	Co-owner on Record
Mailing Address	401 GARRETT DR, CENTRE, AL 35960-2032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 1, 2018	Special Warranty Deed, Transfer · Stand-Alone First Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Oct 29, 2015 · Amount on Record
Deed Document Number	204655
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	401 GARRETT DR, CENTRE, AL 35960-2032
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228013
Date	Feb 14, 2023
Instrument	228013

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2043

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 1, 2018
Property Address	401 GARRETT DR, CENTRE, AL 35960-2032
Document Number	0000204655
Instrument Date	Sep 28, 2018
Instrument	204655
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
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	1800 COUNTY ROAD 26, 1800, CENTRE, AL 35960-6701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 GARRETT DR, CENTRE, AL 35960-2032

Mortgage

Document Number	0000204656
Date	Oct 1, 2018
Instrument	204656

Lender

Name	FIRSTBANK
Type	Non-Lending Institution
Address	FRANKLIN, TN 37067

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,440.00	$3,720 (-) Land $2,400 Building $1,320	$153,200 (-) Land $12,000 Building $141,200
2024	$1,440.00 (+0.77%)	$3,720 (-87.77%) Land $2,400 Building $1,320	$153,200 (+0.72%) Land $12,000 Building $141,200
2023	$1,429.00	$30,420 (+769.14%)	$152,100 (-) Land $10,900 Building $141,200
2022	$1,429.00	$3,500 Land $2,180 Building $1,320	$152,100 Land $10,900 Building $141,200

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.

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	2 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	Moderate above 50% of the US · above 60% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people · EPA ID AL0000188
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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