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5545 Co Rd 22, Centre, AL 35960 Property Records

Cherokee County property record for 5545 Co Rd 22, Centre, AL 35960

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,096 sqft · built 1983
Lot Size0.397 acres (17,274 sqft)
Owner2 Individual Names on Record
Last Sale$187,000 (Aug 2024)
Tax Bill$430 (2026)
Deeds & MortgagesAug 2024 Mortgage
Aug 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN13-13-08-28-0-000-003.004

Property Details

APN / Parcel Number

Primary APN13-13-08-28-0-000-003.004
Alternative APNs
  • ALT APN:1308280000003004
  • 220188
  • 30542

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,096 sqft Living Area
1st Floor Area1,096 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area17,274 sqft (0.397 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space
PorchSlab
Porch Area260 sqft
Utility Building56 sqft

Location & Zoning

Account Number220188
Street Address5545 COUNTY ROAD 22
CityCENTRE
StateAL
Zip35960-8104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 5, C H FERGUSON S/D, PB 8/38
Legal Range10E
Legal Township10S
Legal Section28
Legal SubdivisionC H FERGUSON SUB
Legal Lot Number5
JurisdictionCHEROKEE AL
Township / Civil DivisionSPRING GARDEN
Census Block Group1
Census Block1034
Census Tract956102

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 Record2 Individual Names on Record
Mailing Address5545 COUNTY ROAD 22, CENTRE, AL 35960-8104
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2024Deed of Trust, Mortgage · VA Mortgage
STOCKTON MORTGAGE CORP
Aug 15, 2024Warranty Deed, Transfer · Conventional Mortgage
STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 15, 2024 · Amount on Record
Deed SaleAug 15, 2024 · Amount on Record
Prior SaleNov 20, 2015 · Amount on Record
Deed Document Number2024235175
Record UpdatedOct 29, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE AL
Property Address5545 COUNTY ROAD 22, CENTRE, AL 35960-8104
Transaction TypeMortgage
Record UpdatedNov 27, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address663 ELLIOTT DR NW, ROME, GA 30165-1009

Mortgage

Document Number0000235305
DateAug 26, 2024
Instrument235305
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
AddressFRANKFORT, KY 40601
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE AL
Recording DateAug 15, 2024
Property Address5545 COUNTY ROAD 22, CENTRE, AL 35960-8104
Document Number0000235175
Map ReferenceMB 8 PG 38
Instrument DateAug 9, 2024
Instrument235175
Transaction TypeTransfer
Record UpdatedNov 27, 2025

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5545 COUNTY ROAD 22, CENTRE, AL 35960-8104

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5545 COUNTY ROAD 22, CENTRE, AL 35960-8104

Mortgage

Document Number0000235176
DateAug 15, 2024
Instrument235176
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

TypeName
StateAlabama
CountyCherokee County
Unified School DistrictCherokee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$430.00 (+7.77%)
2025$399.00 (+121.67%) Homeowner's exemption$780 (+39.29%) Land $360 Building $420$107,700 (+7.06%) Land $3,600 Building $104,100
2024$180.00 Additional exemption filed$560 (-94.44%) Land $340 Building $220$100,600 (-) Land $3,300 Building $97,300
2023Additional exemption filed$10,080$100,600 Land $3,300 Building $97,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Nearby Flood Policies12 in force
Nearby Flood Claims2 (2019–2021)
Most Recent ClaimMar 2021 · river or lake flooding

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 RiskModerate
above 45% of the US · above 50% of Alabama
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCHEROKEE COUNTY WATER & SEWER AUTHORITY
serves 11,013 people · EPA ID AL0000189
Water SourceGroundwater
Last State InspectionSep 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 31 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
TDS Telecom
DSL		50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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