415 Co Rd 389, Centre, AL 35960 Property Records

Cherokee County property record for 415 Co Rd 389, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	3,502 sqft · built 2008
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Feb 2021)
Tax Bill	$2,235 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-03-08-0-000-001.003`

Property Details

APN / Parcel Number

Primary APN	`13-14-03-08-0-000-001.003`
Alternative APNs	`ALT APN:1403080000001003` `211599`

Interior

Stories	1 Story
Building Area	3,502 sqft Living Area
Upper Floors Area	1,442 sqft
Basement Area	2,060 sqft
Finished Basement	2,060 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)
Garage Area	778 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	318 sqft
Deck Area	228 sqft

Location & Zoning

Account Number	211599
Street Address	415 COUNTY ROAD 389
City	CENTRE
State	AL
Zip	35960-6752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, CREEKWOOD S/D, PB 8/84
Legal Lot Number	2
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4001
Census Tract	956000

Owner

Source: Cherokee County assessment roll, as of January 1, 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	415 COUNTY ROAD 389, CENTRE, AL 35960-6752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Warranty Deed, Transfer · Conventional Mortgage DIRECT LENDERS LLC
Feb 23, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	216742
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 7, 2026
Property Address	415 COUNTY ROAD 389, CENTRE, AL 35960-6752
Document Number	0000241918
Map Reference	MB 8 PG 84
Instrument Date	Jan 2, 2026
Instrument	241918
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 COUNTY ROAD 389, CENTRE, AL 35960-6752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 QUAIL HOLW SE, ROME, GA 30161-6820

Mortgage

Document Number	0000241919
Date	Jan 7, 2026
Instrument	241919

Lender

Name	DIRECT LENDERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 23, 2021
Property Address	415 COUNTY ROAD 389, CENTRE, AL 35960-6752
Document Number	0000216742
Map Reference	PB 8 PG 84
Instrument Date	Feb 15, 2021
Instrument	216742
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2995 WOODSIDE RD, WOODSIDE, CA 94062-2446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 COUNTY ROAD 389, CENTRE, AL 35960-6752

Mortgage

Document Number	0000216743
Date	Feb 23, 2021
Instrument	216743

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$2,235.00 (+1.36%) Additional exemption filed	$20,380 (+6.59%) Land $19,260 Building $1,120	$679,600 (+1.24%) Land $192,600 Building $487,000
2024	$2,205.00 (-6.45%) Additional exemption filed	$19,120 (-71.53%) Land $18,000 Building $1,120	$671,300 (-0.01%) Land $180,000 Building $491,300
2023	$2,357.00 Additional exemption filed	$67,160 (+250.89%)	$671,400 (-) Land $180,000 Building $491,400
2022	$2,357.00 Additional exemption filed	$19,140 Land $18,000 Building $1,140	$671,400 Land $180,000 Building $491,400

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
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

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

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

415 Co Rd 389, Centre, AL 35960 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Co Rd 389

Nearby Streets

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