532 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 532 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1950
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,000 (Jul 2019)
Tax Bill	$301 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-003-001.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-003-001.000`
Alternative APNs	`ALT APN:1405223003001000` `208166`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Porch	Slab
Porch Area	240 sqft

Location & Zoning

Account Number	208166
Street Address	532 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16, BLK 1, ELLIS ADD S/D, PB 4/13
Legal Range	09E
Legal Township	10S
Legal Section	22
Legal Subdivision	ELLIS ADDITION
Legal Block	1
Legal Lot Number	16
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4022
Census Tract	955900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	532 S RIVER ST, CENTRE, AL 35960-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 29, 2019	Survivorship Deed, Transfer · Conventional Mortgage ACOPIA LLC
Sep 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Document Number	2019208398
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	532 S RIVER ST, CENTRE, AL 35960-1922
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217601
Date	Apr 13, 2021
Instrument	217601

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

July 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 29, 2019
Property Address	532 S RIVER ST, CENTRE, AL 35960-1922
Document Number	0000208398
Map Reference	PB 4 PG 13
Instrument Date	Jul 25, 2019
Instrument	208398
Transaction Type	Transfer
Record Updated	May 30, 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	1555 ROCKMART HWY, CEDARTOWN, GA 30125-6018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 S RIVER ST, CENTRE, AL 35960-1922

Mortgage

Document Number	0000208399
Date	Jul 29, 2019
Instrument	208399

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 10, 2018
Property Address	532 S RIVER ST, CENTRE, AL 35960-1922
Document Number	204340
Instrument Date	Sep 10, 2018
Instrument	204340
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	955 SADDLE CLUB DR, 955, CENTRE, AL 35960-2633

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	532 S RIVER ST, CENTRE, AL 35960-1922

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 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
2026	$301.00 (+8.27%)
2025	$278.00 Homeowner's exemption	$7,060 (-) Land $400 Building $6,660	$70,500 (-) Land $4,000 Building $66,500
2024	$278.00 (+0.72%) Additional exemption filed	$7,060 (+0.86%) Land $400 Building $6,660	$70,500 (+1%) Land $4,000 Building $66,500
2023	$276.00 Homeowner's exemption	$7,000 (-)	$69,800 (-) Land $3,300 Building $66,500
2022	$276.00 Homeowner's exemption	$7,000 Land $340 Building $6,660	$69,800 Land $3,300 Building $66,500

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 62% of the US · above 80% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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