525 Co Rd 778, Centre, AL 35960 Property Records

Cherokee County property record for 525 Co Rd 778, Centre, AL 35960

Property Summary

Property Type	Mobile Home
Details	2,016 sqft · built 2016
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (May 2018)
Tax Bill	$388 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-12-02-10-0-000-010.026`

Property Details

APN / Parcel Number

Primary APN	`13-12-02-10-0-000-010.026`
Alternative APNs	`ALT APN:1202100000010026` `205489`

Interior

Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Mobile Home
Lot Area	34,412 sqft (0.79 acres)

Location & Zoning

Account Number	205489
Street Address	525 COUNTY ROAD 778
City	CENTRE
State	AL
Zip	35960-4143
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 26, WILLPARK SD, PB 10 PG 4810 PG 48
Legal Range	11E
Legal Township	10S
Legal Section	10
Legal Subdivision	WILLPARK SD
Legal Lot Number	26
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1017
Census Tract	956101

Owner

525 Co Rd 778, a mobile home, is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	525 COUNTY ROAD 778, CENTRE, AL 35960-4143
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 18, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage 21ST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Sep 22, 2006
Deed Document Number	2018202621
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Aug 3, 2026
Property Address	525 COUNTY ROAD 778, CENTRE, AL 35960-4143
Document Number	0000245148
Instrument Date	Jul 21, 2026
Instrument	2026245148
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 COUNTY ROAD 778, CENTRE, AL 35960-4143

Mortgage

Document Number	0000245148,
Date	Aug 3, 2026
Instrument	2026245148

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 18, 2018
Property Address	525 COUNTY ROAD 778, CENTRE, AL 35960-4143
Document Number	202621
Instrument Date	May 16, 2018
Instrument	202621
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	835 COUNTY ROAD 745, 835, CEDAR BLUFF, AL 35959-2833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 COUNTY ROAD 778, CENTRE, AL 35960-4143

Mortgage

Document Number	202622
Date	May 18, 2018
Instrument	202622

Lender

Name	21ST MORTGAGE CORP
Type	Subprime Lender
Address	KNOXVILLE, TN 37902

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 525 Co Rd 778 was $388 with a homeowner's exemption, up 7.8% 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	$388.00 (+7.78%)
2025	$360.00 (+7.46%) Homeowner's exemption	$9,380 (+2.85%) Land $2,520 Building $6,860	$98,200 (+6.39%) Land $25,200 Building $73,000
2024	$335.00 Additional exemption filed	$9,120 (-1.51%) Land $2,260 Building $6,860	$92,300 (-) Land $22,500 Building $69,800
2023	$335.00 Homeowner's exemption	$9,260 (+285.83%)	$92,300 (-) Land $22,500 Building $69,800
2022	$335.00 Homeowner's exemption	$2,400 Land $2,260 Building $140	$92,300 Land $22,500 Building $69,800

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

FEMA maps place 525 Co Rd 778 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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
Nearby Flood Policies	4 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

Wildfire risk around 525 Co Rd 778 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 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 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 (outdoors only) and 4G LTE

Nearby Properties on Co Rd 778

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