535 Co Rd 489, Centre, AL 35960 Property Records

Cherokee County property record for 535 Co Rd 489, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,542 sqft · built 2004
Lot Size	0.618 acres (26,900 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Jul 2017)
Tax Bill	$1,231 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-20-0-000-033.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-20-0-000-033.000`
Alternative APNs	`ALT APN:1304200000033000` `31578`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,542 sqft Living Area
1st Floor Area	1,542 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,900 sqft (0.618 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	57 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	31578
Street Address	535 COUNTY ROAD 489
City	CENTRE
State	AL
Zip	35960-6278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK B, JORDAN SD PB 7 PG 30
Legal Range	10E
Legal Township	10S
Legal Section	20
Legal Subdivision	JORDAN
Legal Block	B
Legal Lot Number	3
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	2
Census Block	2001
Census Tract	956000

Owner

535 Co Rd 489 is owned by an individual who bought it in July 2017.

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

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

Owner of Record	Individual Name on File
Mailing Address	4176 WESTCHESTER XING NE, ROSWELL, GA 30075-1958
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
Jul 5, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ACOPIA LLC
Jul 5, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2017 · Amount on File
Deed Sale	Jul 5, 2017 · Amount on File
Deed Document Number	20171986543
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	535 COUNTY ROAD 489, CENTRE, AL 35960-6278
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220402
Date	Sep 17, 2021
Instrument	220402

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	535 COUNTY ROAD 489, CENTRE, AL 35960-6278
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217338
Date	Mar 26, 2021
Instrument	217338

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	535 COUNTY ROAD 489, CENTRE, AL 35960-6278
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	198644
Date	Jul 5, 2017
Instrument	198644

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 5, 2017
Property Address	535 COUNTY ROAD 489, CENTRE, AL 35960-6278
Document Number	1986543
Instrument Date	Jun 30, 2017
Instrument	1986543
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	535 COUNTY ROAD 489, 535, CENTRE, AL 35960-6278

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3576 FINETT RD, POWDER SPGS, GA 30127

Tax Assessment & Valuation

The 2026 property tax bill for 535 Co Rd 489 was $1,231, up 14.6% 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	$1,231.00 (+14.62%)
2025	$1,074.00 (+6.23%)	$23,740 (+105.72%) Land $11,200 Building $12,540	$255,700 (+6.23%) Land $112,000 Building $143,700
2024	$1,011.00	$11,540 (-52.08%) Land $10,000 Building $1,540	$240,700 (-) Land $100,000 Building $140,700
2023	$1,011.00	$24,080 (+108.67%)	$240,700 (-) Land $100,000 Building $140,700
2022	$1,011.00	$11,540 Land $10,000 Building $1,540	$240,700 Land $100,000 Building $140,700

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 535 Co Rd 489 in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 535 Co Rd 489 is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 49% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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