Cherokee County property record for 495 Lakeside Dr, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,995 sqft · built 2022 |
| Owner | Individual Name on Record |
| Tax Bill | $3,780 (2023) |
| Deeds & Mortgages | Apr 2021 Construction Loan May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-06-14-2-000-003.000 |
| Primary APN | 13-14-06-14-2-000-003.000 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,995 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Deck Area | Deck Area |
| Account Number | 13019 |
|---|---|
| Street Address | 495 LAKESIDE DR |
| City | CENTRE |
| State | AL |
| Zip | 35960-2517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24, RAINS S/D, PB 6/50 |
| Legal Lot Number | 24 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 956000 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 495 LAKESIDE DR, CENTRE, AL 35960-2517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK OF ALABAMA |
| May 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK OF ALABAMA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2022 |
| Deed Sale | May 18, 2022 |
| Deed Document Number | 224366 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 495 LAKESIDE DR, CENTRE, AL 35960-2517 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000217693 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 217693 |
| Name | PEOPLES BANK OF ALABAMA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 15, 2022 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | May 18, 2022 |
| Property Address | 495 LAKESIDE DR, CENTRE, AL 35960-2517 |
| Document Number | 0000224366 |
| Map Reference | PB 6 PG 50 |
| Instrument Date | May 13, 2022 |
| Instrument | 224366 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 495 LAKESIDE DR, CENTRE, AL 35960-2517 |
| Document Number | 0000224367 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 224367 |
| Name | PEOPLES BANK OF ALABAMA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $11,600 (-85.58%) Land $10,700 Building $900 | $409,200 (+1.74%) Land $107,000 Building $302,200 |
| 2023 | $3,780.00 Additional exemption filed | $80,440 (+622.08%) | $402,200 (+259.43%) Land $100,000 Building $302,200 |
| 2022 | Additional exemption filed | $11,140 Land $10,000 Building $1,140 | $111,900 Land $100,000 Building $11,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 97.7% of Alabama |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 54 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 |
| Starlink Satellite | 280 / 30 |
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