440 Ray St, Centre, AL 35960 Property Records

Cherokee County property record for 440 Ray St, Centre, AL 35960 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	1,720 sqft · built 2020
Lot Size	2.4 acres (104,544 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Jun 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`13-14-05-15-4-000-002.006`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-15-4-000-002.006`
Alternative APNs	`ALT APN:1405154000002006` `27130`

Interior

Stories	1 Story
Building Area	1,720 sqft Living Area
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	104,544 sqft (2.4 acres)
Garage Type	Mixed
Deck Area	Deck Area

Location & Zoning

Account Number	27130
Street Address	440 RAY ST
City	CENTRE
State	AL
Zip	35960-2472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 H W JORDAN ESTATE PLAT 3, PB 12/88
Legal Subdivision	H W JORDAN ESTATE
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3026
Census Tract	956000

Owner

Source: Cherokee County records · APN 13-14-05-15-4-000-002.006

Assessment roll updated January 1, 2025 · Last verified December 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
Mailing Address	440 RAY ST, CENTRE, AL 35960-2472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 07, 2018
Deed Sale	Jun 07, 2018
Deed Document Number	202900
Record Updated	Jun 08, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 07, 2018
Property Address	440 RAY ST, CENTRE, AL 35960-2472
Document Number	202900
Instrument Date	Jun 06, 2018
Instrument	202900
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	CENTRE, AL 35960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 PARK ST, CENTRE, AL 35960-1506

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$3,340 (-82.2%) Land $1,040 Building $2,300	$185,500 (-0.96%) Land $10,300 Building $175,200
2023	Additional exemption filed	$18,760	$187,300 Land $10,300 Building $177,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010199560003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 2 of 3 on primary residences
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 62% of Alabama
Wildfire Likelihood	About 1 in 901 per year
Exposure	Direct burnable vegetation at the parcel

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.