550 Co Rd 494, Centre, AL 35960 Property Records

Cherokee County property record for 550 Co Rd 494, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,060 sqft · built 2000
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Sep 2018)
Tax Bill	$1,933 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-18-0-000-007.005`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-18-0-000-007.005`
Alternative APNs	`ALT APN:1304180000007005` `30474`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,060 sqft Living Area
1st Floor Area	2,060 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Deck Area	144 sqft

Location & Zoning

Account Number	30474
Street Address	550 COUNTY ROAD 494
City	CENTRE
State	AL
Zip	35960-6274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM AT SW COR SE/4 NW/4 N720 SE612.07 TO POB; N192.8; SE228.2; S194.63; NW228.52 TO POB
Legal Range	10E
Legal Township	10S
Legal Section	18
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5034
Census Tract	956000

Owner

550 Co Rd 494 is owned and occupied by an individual who bought it in September 2018.

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	550 COUNTY ROAD 494, CENTRE, AL 35960-6274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Sep 14, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2018 · Amount on File
Deed Sale	Sep 14, 2018 · Amount on File
Prior Sale	Apr 22, 2016 · Amount on File
Deed Document Number	2018204413
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	550 COUNTY ROAD 494, CENTRE, AL 35960-6274
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220016
Date	Aug 25, 2021
Instrument	220016

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 14, 2018
Property Address	550 COUNTY ROAD 494, CENTRE, AL 35960-6274
Document Number	204413
Instrument Date	Aug 30, 2018
Instrument	204413
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount on Record
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
Address	550 COUNTY ROAD 494, 550, CENTRE, AL 35960-6274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 COUNTY ROAD 494, CENTRE, AL 35960-6274

Mortgage

Document Number	204414
Date	Sep 14, 2018
Instrument	204414

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 550 Co Rd 494 was $1,933, up 7% 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	$1,933.00 (+6.97%)
2025	$1,807.00 (+6.92%)	$3,360 (-91.65%) Land $1,420 Building $1,940	$221,600 (+10.14%) Land $7,300 Building $214,300
2024	$1,690.00	$40,240 (-) Land $1,320 Building $38,920	$201,200 (-) Land $6,600 Building $194,600
2023	$1,690.00	$40,240 (-)	$201,200 (-) Land $6,600 Building $194,600
2022	$1,690.00	$40,240 Land $1,320 Building $38,920	$201,200 Land $6,600 Building $194,600

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 550 Co Rd 494 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 550 Co Rd 494 is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.2% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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