475 Co Rd 389, Centre, AL 35960 Property Records

Cherokee County property record for 475 Co Rd 389, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,180 sqft · built 2004
Lot Size	0.71 acres (30,932 sqft)
Owner	Individual Name on File
Last Sale	$413,250 (Sep 2017)
Tax Bill	$2,159 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-03-08-0-000-001.008`

Property Details

APN / Parcel Number

Primary APN	`13-14-03-08-0-000-001.008`
Alternative APNs	`ALT APN:1403080000001008` `204274`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,180 sqft Living Area
1st Floor Area	1,270 sqft
Upper Floors Area	910 sqft
Basement Area	1,270 sqft
Unfinished Basement	1,270 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,932 sqft (0.71 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	528 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	204274
Street Address	475 COUNTY ROAD 389
City	CENTRE
State	AL
Zip	35960-6752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 CREEKWOOD SUB PB 8/84
Legal Range	09E
Legal Township	10S
Legal Section	08
Legal Subdivision	CREEKWOOD SUB
Legal Lot Number	7
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4001
Census Tract	956000

Owner

475 Co Rd 389 is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	475 COUNTY ROAD 389, CENTRE, AL 35960-6752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Deed Document Number	2017199540
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 7, 2017
Property Address	475 COUNTY ROAD 389, CENTRE, AL 35960-6752
Document Number	199540
Instrument Date	Aug 24, 2017
Instrument	199540
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	457 CO RD 387, 457, CENTRE, AL 35960

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	457 COUNTY ROAD 389, CENTRE, AL 35960-6752

Mortgage

Document Number	199541
Date	Sep 7, 2017
Instrument	199541

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 475 Co Rd 389 was $2,159 with a homeowner's exemption, up 7.1% from the year before.

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	$2,159.00 (+7.15%)
2025	$2,015.00 (+2.7%) Homeowner's exemption	$22,100 (+6.05%) Land $19,260 Building $2,840	$492,300 (+2.63%) Land $192,600 Building $299,700
2024	$1,962.00 Additional exemption filed	$20,840 (-56.57%) Land $18,000 Building $2,840	$479,700 (-) Land $180,000 Building $299,700
2023	$1,962.00 Homeowner's exemption	$47,980 (+130.23%)	$479,700 (-) Land $180,000 Building $299,700
2022	$1,962.00 Homeowner's exemption	$20,840 Land $18,000 Building $2,840	$479,700 Land $180,000 Building $299,700

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

FEMA maps place 475 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

Wildfire risk around 475 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.

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