544 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 544 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,687 sqft · built 1958
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$82,600 (Apr 2019)
Tax Bill	$728 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-003-006.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-003-006.000`
Alternative APNs	`ALT APN:1405223003006000` `207655`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,687 sqft Living Area
1st Floor Area	1,687 sqft
Basement Area	200 sqft
Unfinished Basement	200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Mixed
Garage Area	260 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	601 sqft

Location & Zoning

Account Number	207655
Street Address	544 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT RW ELLIS LOOP & SO RIVER ST;S 100'ALG R/W RIVER STTO POB;W 260';S 130';E 240'TO R/W;N 100'ALG R/W TO POB
Legal Range	09E
Legal Township	10S
Legal Section	22
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	Individual Name on Record
Mailing Address	930 COEY RD, GLOUSTER, OH 45732
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Apr 29, 2019	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Oct 4, 2005
Deed Document Number	2019207173
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	544 S RIVER ST, CENTRE, AL 35960-1922
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207175
Date	Apr 29, 2019
Instrument	207175

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 29, 2019
Property Address	544 S RIVER ST, CENTRE, AL 35960-1922
Document Number	0000207173
Instrument Date	Apr 25, 2019
Instrument	207173
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1803 12TH ST SE, DECATUR, AL 35601-5257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 S RIVER ST, CENTRE, AL 35960-1922

Mortgage

Document Number	0000207174
Date	Apr 29, 2019
Instrument	207174

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

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	$728.00 (+6.9%)
2025	$681.00 (+16.61%)	$14,500 (+6.93%) Land $580 Building $13,920	$135,500 (-) Land $5,500 Building $130,000
2024	$584.00 (+0.17%) Additional exemption filed	$13,560 (+0.15%) Land $560 Building $13,000	$135,500 (+0.15%) Land $5,500 Building $130,000
2023	$583.00 Homeowner's exemption	$13,540 (-)	$135,300 (-) Land $5,300 Building $130,000
2022	$583.00 Homeowner's exemption	$13,540 Land $540 Building $13,000	$135,300 Land $5,300 Building $130,000

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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