535 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 535 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,191 sqft · built 2002
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,158 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-004-025.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-004-025.000`
Alternative APNs	`ALT APN:1405223004025000` `13250`

Interior

Stories	1 Story
Building Area	2,191 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	75 sqft

Location & Zoning

Account Number	13250
Street Address	535 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE CR SW/4 SW/4;N 814.4'TO POB;N 480';W 325'TO SE RW SRIVER ST;SW 240';SE 434'TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4035
Census Tract	955900

Owner

Source: Cherokee County records · APN 13-14-05-22-3-004-025.000

Assessment roll updated January 1, 2025 · Last verified December 2025

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 File
Mailing Address	PO BOX 126, CENTRE, AL 35960-0126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Apr 15, 2026
Property Address	535 S RIVER ST, CENTRE, AL 35960-1921
Document Number	0000243251
Instrument Date	Mar 30, 2026
Instrument	2026243251
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 S RIVER ST, CENTRE, AL 35960-1921
Investor	Possibly a Property Investor

Mortgage

Document Number	0000243251,
Date	Apr 15, 2026
Instrument	2026243251

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,158.00 Homeowner's exemption	$25,780 (-) Land $1,500 Building $24,280	$257,800 (-) Land $15,000 Building $242,800
2024	$1,158.00 (-1.03%) Additional exemption filed	$25,780 (-1%) Land $1,500 Building $24,280	$257,800 (-1%) Land $15,000 Building $242,800
2023	$1,170.00 Homeowner's exemption	$26,040 (-)	$260,400 (-) Land $15,000 Building $245,400
2022	$1,170.00 Homeowner's exemption	$26,040 Land $1,500 Building $24,540	$260,400 Land $15,000 Building $245,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 15, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 54 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.