4095 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 4095 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,056 sqft · built 2009
Lot Size	1.97 acres (85,813 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Aug 2009)
Tax Bill	$515 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2025 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-07-35-0-000-026.004`

Property Details

APN / Parcel Number

Primary APN	`13-13-07-35-0-000-026.004`
Alternative APNs	`ALT APN:1307350000026004` `25823`

Interior

Stories	1 Story
Building Area	1,056 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	85,813 sqft (1.97 acres)
Garage Type	Carport
Carport	Carport
Carport Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	72 sqft
Deck Area	100 sqft

Location & Zoning

Account Number	25823
Street Address	4095 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-5283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SOUTHERN LAND SUBDIVISION 14/49
Legal Subdivision	SOUTHERN LAND SUBDIVISION
Legal Lot Number	5
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3014
Census Tract	956102

Owner

Source: Cherokee County records, as of January 1, 2026

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
Mailing Address	1900 COUNTY ROAD 99, GAYLESVILLE, AL 35973
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 19, 2025	Foreclosure Foreclosure Auction
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2009 · Amount on Record
Deed Sale	Aug 20, 2009 · Amount on Record
Prior Sale	Apr 3, 2013
Deed Document Number	0000161283
Last Transfer Date	Dec 19, 2025
Transfer Doc	0000241772
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 15, 2026
Property Address	4095 COUNTY ROAD 40, CENTRE, AL 35960-5283
Document Number	0000244779
Instrument Date	Jul 8, 2026
Instrument	2026244779
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$1,010.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	3707 COUNTY ROAD 16, CENTRE, AL 35960-4761

December 2025: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHEROKEE AL
Recording Date	Dec 19, 2025
Property Address	4095 COUNTY ROAD 40, CENTRE, AL 35960-5283
Document Number	0000241772
Map Reference	DOC 157441
Instrument Date	Dec 18, 2025
Instrument	241772
Transaction Type	Foreclosure
Record Updated	Jan 2, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 W MAIN ST, CENTRE, AL 35960-1325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 COUNTY ROAD 99, GAYLESVILLE, AL 35973

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4095 COUNTY ROAD 40, CENTRE, AL 35960-5283
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209946
Date	Nov 25, 2019
Instrument	209946

Lender

Name	FIRST SOUTHERN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$515.00	$12,280 (+6.97%) Land $1,500 Building $10,780	$117,700 (+2.53%) Land $14,300 Building $103,400
2024	Additional exemption filed	$11,480 (-) Land $1,300 Building $10,180	$114,800 (-) Land $13,000 Building $101,800
2023	Additional exemption filed	$11,480	$114,800 Land $13,000 Building $101,800

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	3 in force
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 64% of the US · above 84% of Alabama
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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