55 Co Rd 396, Centre, AL 35960 Property Records

Cherokee County property record for 55 Co Rd 396, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,589 sqft · built 2006
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Nov 2023)
Tax Bill	$2,486 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-17-01-02-0-000-001.016`

Property Details

APN / Parcel Number

Primary APN	`13-17-01-02-0-000-001.016`
Alternative APNs	`ALT APN:1701020000001016` `218505` `28942`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,589 sqft Living Area
1st Floor Area	2,314 sqft
Upper Floors Area	275 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Mixed
Garage Area	650 sqft
Parking Spaces	6 Parking Spaces
Porch	Patio
Porch Area	56 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	218505
Street Address	55 COUNTY ROAD 396
City	CENTRE
State	AL
Zip	35960-8644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 OF CLUB HEIGHTS SUB 13/46.
Legal Range	09E
Legal Township	11S
Legal Section	02
Legal Subdivision	CLUB HEIGHTS
Legal Lot Number	8
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3052
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	55 COUNTY ROAD 396, CENTRE, AL 35960-8644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on Record
Deed Sale	Nov 2, 2023 · Amount on Record
Prior Sale	Jul 30, 2015 · Amount on Record
Deed Document Number	2023231302
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	55 COUNTY ROAD 396, CENTRE, AL 35960-8644
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233088
Date	Apr 2, 2024
Instrument	233088

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 2, 2023
Property Address	55 COUNTY ROAD 396, CENTRE, AL 35960-8644
Document Number	0000231302
Map Reference	MB 13 PG 46
Instrument Date	Oct 31, 2023
Instrument	231302
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 COUNTY ROAD 396, CENTRE, AL 35960-8644

Mortgage

Document Number	0000231303
Date	Nov 2, 2023
Instrument	231303

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

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	$2,486.00 (+7.11%)
2025	$2,321.00 Homeowner's exemption	$16,060 (-55.54%) Land $1,660 Building $14,400	$505,000 (-0.02%) Land $16,500 Building $488,500
2024	$2,321.00 (-0.04%) Additional exemption filed	$36,120 (-28.53%) Land $1,660 Building $34,460	$505,100 (-0.04%) Land $16,500 Building $488,600
2023	$2,322.00 (-11.68%) Homeowner's exemption	$50,540 (+123.43%)	$505,300 (-11.46%) Land $16,500 Building $488,800
2022	$2,629.00 Homeowner's exemption	$22,620 Land $1,660 Building $20,960	$570,700 Land $16,500 Building $554,200

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	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

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

Wildfire Risk	Moderate above 61% of the US · above 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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