420 Co Rd 496, Centre, AL 35960 Property Records

Cherokee County property record for 420 Co Rd 496, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,848 sqft · built 1986
Lot Size	1.28 acres (55,757 sqft)
Owner	Company Name on Record
Last Sale	$865,000 (Nov 2025)
Tax Bill	$1,390 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`13-13-05-15-0-000-016.002`

Property Details

APN / Parcel Number

Primary APN	`13-13-05-15-0-000-016.002`
Alternative APNs	`ALT APN:1305150000016002` `215631` `22422`

Interior

Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,232 sqft
Upper Floors Area	616 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Deck Area	Deck Area
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	215631
Street Address	420 COUNTY ROAD 496
City	CENTRE
State	AL
Zip	35960-5920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 PLEASANT POINT S/D PB 8/49
Legal Range	10E
Legal Township	10S
Legal Section	15
Legal Subdivision	PLEASANT POINT SD
Legal Lot Number	14
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1010
Census Tract	956102

Owner

Source: Cherokee County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	519 HARDEE ST, DALLAS, GA 30132-4710
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL COMMUNITY BANK
Jul 17, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	2025241144
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 5, 2025
Property Address	420 COUNTY ROAD 496, CENTRE, AL 35960-5920
Document Number	0000241144
Map Reference	MB 8 PG 49
Instrument Date	Oct 29, 2025
Instrument	241144
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	420 COUNTY ROAD 496, CENTRE, AL 35960-5920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 HARDEE ST, DALLAS, GA 30132-4710

Mortgage

Document Number	0000241145
Date	Nov 5, 2025
Instrument	241145

Lender

Name	FIRST NATIONAL COMMUNITY BANK
Type	Bank
Address	DALLAS, GA 30132

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Oct 28, 2045

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	420 COUNTY ROAD 496, CENTRE, AL 35960-5920
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198774
Date	Jul 17, 2017
Instrument	198774

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 29, 2022
Property Address	420 COUNTY ROAD 496, CENTRE, AL 35960-5920
Document Number	0000225516
Map Reference	PB 8 PG 49
Instrument Date	Jul 27, 2022
Instrument	225516
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	31007 WOODRIDGE DR, SHINGLETOWN, CA 96088-9810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 COUNTY ROAD 496, CENTRE, AL 35960-5920

Mortgage

Document Number	0000225517
Date	Jul 29, 2022
Instrument	225517

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 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
2026	$1,390.00 (+7.17%)
2025	$1,297.00 (+3.68%)	$18,560 (+7.53%) Land $13,440 Building $5,120	$373,000 (+3.61%) Land $134,400 Building $238,600
2024	$1,251.00 (-17.26%) Additional exemption filed	$17,260 (-52.08%) Land $12,000 Building $5,260	$360,000 (-0.03%) Land $120,000 Building $240,000
2023	$1,512.00 (+238.26%) Additional exemption filed	$36,020 (+429.71%)	$360,100 (+104.84%) Land $120,000 Building $240,100
2022	$447.00 Additional exemption filed	$6,800 Land $4,380 Building $2,420	$175,800 Land $43,800 Building $132,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 2021 · river or lake 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	Moderate above 46% of the US · above 52% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

5G and 4G LTE (outdoors only)

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