475 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 475 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,448 sqft · built 2021
Lot Size	1.17 acres (50,965 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2021)
Tax Bill	$725 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-004-019.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-004-019.000`
Alternative APNs	`ALT APN:1405223004019000` `212489`

Interior

Stories	1 Story
Building Area	1,448 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Carport
Carport	Carport
Carport Area	357 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	24 sqft

Location & Zoning

Account Number	212489
Street Address	475 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOT 64, TOWN OF CENTRE, PB 3/1
Legal Lot Number	64
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4035
Census Tract	955900

Owner

Source: Cherokee County records, as of November 26, 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 Record
Mailing Address	475 S RIVER ST, CENTRE, AL 35960-1919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Oct 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	218858
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 21, 2021
Property Address	475 S RIVER ST, CENTRE, AL 35960-1919
Document Number	0000218858
Map Reference	PB 3 PG 1
Instrument Date	Jun 18, 2021
Instrument	218858
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
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	1511 COUNTY ROAD 44, LEESBURG, AL 35983-4414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 S RIVER ST, CENTRE, AL 35960-1919

Mortgage

Document Number	0000218859
Date	Jun 21, 2021
Instrument	218859

Lender

Name	FIRST GUARANTY MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 6, 2017
Property Address	475 S RIVER ST, CENTRE, AL 35960-1919
Document Number	0000199930
Instrument Date	Oct 2, 2017
Instrument	199930
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 LAURA LN, POLLOK, TX 75969-4112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3250 COUNTY ROAD 22, CENTRE, AL 35960-8329

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$725.00 Homeowner's exemption	$16,560 (-) Land $880 Building $15,680	$165,500 (-) Land $8,700 Building $156,800
2024	$725.00 (+0.14%) Additional exemption filed	$16,560 (+0.12%) Land $880 Building $15,680	$165,500 (+0.06%) Land $8,700 Building $156,800
2023	$724.00 Homeowner's exemption	$16,540 (-)	$165,400 (-) Land $8,600 Building $156,800
2022	$724.00 Homeowner's exemption	$16,540 Land $860 Building $15,680	$165,400 Land $8,600 Building $156,800

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	2 in force

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 60% of the US · above 78% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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