545 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 545 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	3,100 sqft · built 1965
Lot Size	3.59 acres (156,816 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jan 2021)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-004-025.001`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-004-025.001`
Alternative APNs	`ALT APN:1405223004025001` `211317`

Interior

Stories	1 Story
Building Area	3,100 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	156,816 sqft (3.59 acres)
Garage Type	Mixed
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	565 sqft
Deck Area	Deck Area
Patio Area	546 sqft

Location & Zoning

Account Number	211317
Street Address	545 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 578'TO POB;N 236.4';NW 434'TO SE RW SRIVER ST;SW 398.8'ALG RW;E 554.5'TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4035
Census Tract	955900

Owner

Source: Cherokee County records, as of November 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	545 S RIVER ST, CENTRE, AL 35960-1921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on Record
Deed Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	216101
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 12, 2021
Property Address	545 S RIVER ST, CENTRE, AL 35960-1921
Document Number	0000216101
Instrument Date	Jan 5, 2021
Instrument	216101
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	8228 SW 91ST AVE, OCALA, FL 34481-0561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6697 DEER RUN TRL, DOUGLASVILLE, GA 30135-6273

Mortgage

Document Number	0000216102
Date	Jan 12, 2021
Instrument	216102

Lender

Name	PMG HOME LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	$2,611.00	$6,220 (-) Land $3,960 Building $2,260	$277,800 (-) Land $19,800 Building $258,000
2024	$2,611.00	$6,220 (-88.8%) Land $3,960 Building $2,260	$277,800 (-) Land $19,800 Building $258,000
2023	$2,611.00	$55,560 (+793.25%)	$277,800 (-) Land $19,800 Building $258,000
2022	$2,611.00	$6,220 Land $3,960 Building $2,260	$277,800 Land $19,800 Building $258,000

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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