5545 Co Rd 16, Centre, AL 35960 Property Records

Cherokee County property record for 5545 Co Rd 16, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,846 sqft · built 2018
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Tax Bill	$903 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-12-08-33-0-000-006.001`

Property Details

APN / Parcel Number

Primary APN	`13-12-08-33-0-000-006.001`
Alternative APNs	`ALT APN:1208330000006001` `204067`

Interior

Stories	1 Story
Building Area	1,846 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)

Location & Zoning

Account Number	204067
Street Address	5545 COUNTY ROAD 16
City	CENTRE
State	AL
Zip	35960-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG @ SE COR SE/4 NW/4;N162;W958;SW197;SELY ALG ROW 141;E1075 TO POB
Legal Range	11E
Legal Township	10S
Legal Section	33
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1037
Census Tract	956101

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	5545 COUNTY ROAD 16, CENTRE, AL 35960-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	5545 COUNTY ROAD 16, CENTRE, AL 35960-3834
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207653
Date	Jun 4, 2019
Instrument	207653

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2044

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	5545 COUNTY ROAD 16, CENTRE, AL 35960-3834
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000226363
Date	Sep 23, 2022
Instrument	226363

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$903.00 (+7.37%)
2025	$841.00 (+3.7%) Homeowner's exemption	$21,300 (+3.5%) Land $1,860 Building $19,440	$212,900 (+3.45%) Land $18,500 Building $194,400
2024	$811.00 Additional exemption filed	$20,580 (-) Land $1,680 Building $18,900	$205,800 (-) Land $16,800 Building $189,000
2023	$811.00 Homeowner's exemption	$20,580 (-)	$205,800 (-) Land $16,800 Building $189,000
2022	$811.00 Homeowner's exemption	$20,580 Land $1,680 Building $18,900	$205,800 Land $16,800 Building $189,000

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

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	4 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	High above 70% of the US · above 91% of Alabama
Wildfire Likelihood	0.4% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 16

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