Cherokee County property record for 405 Co Rd 389, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,266 sqft · built 2004 |
| Lot Size | 0.901 acres (39,241 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jul 2020) |
| Tax Bill | $1,005 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-03-08-0-000-001.002 |
| Primary APN | 13-14-03-08-0-000-001.002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,266 sqft Living Area |
| 1st Floor Area | 1,266 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 39,241 sqft (0.901 acres) |
| Porch | Slab |
| Porch Area | 504 sqft |
| Account Number | 210046 |
|---|---|
| Street Address | 405 COUNTY ROAD 389 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL THAT PART OF LOT 1 CREEKWOOD S/D, PB 8/84 |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 08 |
| Legal Subdivision | CREEKWOOD SUB |
| Legal Lot Number | 1 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 956000 |
405 Co Rd 389 is owned by two individuals who bought it in July 2020.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 200 BEECHWOOD PASS, GADSDEN, AL 35901-5338 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EXCHANGE BANK ALABAMA |
| Aug 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EXCHANGE BANK ALABAMA |
| Jul 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on File |
| Deed Sale | Jul 9, 2020 · Amount on File |
| Deed Document Number | 2020212968 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 405 COUNTY ROAD 389, CENTRE, AL 35960-6752 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000229332 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 229332 |
| Name | EXCHANGE BANK ALABAMA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 405 COUNTY ROAD 389, CENTRE, AL 35960-6752 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000225625 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 225625 |
| Name | EXCHANGE BANK ALABAMA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jul 9, 2020 |
| Property Address | 405 COUNTY ROAD 389, CENTRE, AL 35960-6752 |
| Document Number | 0000212968 |
| Map Reference | PB 8 PG 84 |
| Instrument Date | Jul 6, 2020 |
| Instrument | 212968 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 209 DOGWOOD CIR, GADSDEN, AL 35901-5601 |
| Document Number | 0000212969 |
|---|---|
| Date | Jul 9, 2020 |
| Instrument | 212969 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 405 Co Rd 389 was $1,005, up 7% from the year before.
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,005.00 (+7.03%) | ||
| 2025 | $939.00 (+3.99%) | $21,880 (+4.19%) Land $13,380 Building $8,500 | $223,800 (+4.09%) Land $133,800 Building $90,000 |
| 2024 | $903.00 | $21,000 (-2.33%) Land $12,500 Building $8,500 | $215,000 (-) Land $125,000 Building $90,000 |
| 2023 | $903.00 | $21,500 (+65.38%) | $215,000 (-) Land $125,000 Building $90,000 |
| 2022 | $903.00 | $13,000 Land $12,500 Building $500 | $215,000 Land $125,000 Building $90,000 |
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.
FEMA maps place 405 Co Rd 389 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
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 risk around 405 Co Rd 389 is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.1% of Alabama |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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