5655 Co Rd 22, Centre, AL 35960 Property Records

Cherokee County property record for 5655 Co Rd 22, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1993
Lot Size	3.05 acres (132,858 sqft)
Owner	Individual Name on File
Last Sale	$74,500 (Jul 2021)
Tax Bill	$933 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-08-28-0-000-002.002`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-28-0-000-002.002`
Alternative APNs	`ALT APN:1308280000002002` `212657`

Interior

Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	132,858 sqft (3.05 acres)

Location & Zoning

Account Number	212657
Street Address	5655 COUNTY ROAD 22
City	CENTRE
State	AL
Zip	35960-8126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM @ SE COR;NE/4;NE/4;W1132 TO POB;N543;W235;SW255;SE263;ELY244;N54 TO POB
Legal Range	10E
Legal Township	10S
Legal Section	28
Legal Subdivision	COWAN CREEK POINTE
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1034
Census Tract	956102

Owner

5655 Co Rd 22 is owned and occupied by an individual who bought it in July 2021.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	5655 COUNTY ROAD 22, CENTRE, AL 35960-8126
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES INDEPENDENT BANK
Nov 18, 2020	Warranty Deed, Transfer
Nov 18, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Nov 18, 2020 · Amount on File
Deed Document Number	2021219249
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 14, 2021
Property Address	5655 COUNTY ROAD 22, CENTRE, AL 35960-8126
Document Number	0000219249
Instrument Date	Jul 9, 2021
Instrument	219249
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5655 COUNTY ROAD 22, CENTRE, AL 35960-8126

Mortgage

Document Number	0000219250
Date	Jul 14, 2021
Instrument	219250

Lender

Name	PEOPLES INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 18, 2020
Property Address	5655 COUNTY ROAD 22, CENTRE, AL 35960-8126
Document Number	0000215294
Map Reference	PB 15 PG 3
Instrument Date	Nov 12, 2020
Instrument	215294
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7007 HOWE BLVD, GADSDEN, AL 35903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MORGAN RD, BUCHANAN, GA 30113-4957

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 18, 2020
Property Address	5655 COUNTY ROAD 22, CENTRE, AL 35960-8126
Document Number	0000215290
Map Reference	PB 15 PG 3
Instrument Date	Nov 12, 2020
Instrument	215290
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7007 HOWE BLVD, GADSDEN, AL 35903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MORGAN RD, BUCHANAN, GA 30113-4957

Tax Assessment & Valuation

The 2026 property tax bill for 5655 Co Rd 22 was $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	$933.00 (+7%)
2025	$872.00 (+5.7%)	$20,780 (+5.7%) Land $2,860 Building $17,920	$103,900 (+5.7%) Land $14,300 Building $89,600
2024	$825.00	$19,660 (-) Land $2,600 Building $17,060	$98,300 (-) Land $13,000 Building $85,300
2023	$825.00	$19,660 (-)	$98,300 (-) Land $13,000 Building $85,300
2022	$825.00	$19,660 Land $2,600 Building $17,060	$98,300 Land $13,000 Building $85,300

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

FEMA maps place 5655 Co Rd 22 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 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

Wildfire risk around 5655 Co Rd 22 is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.1% 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	CHEROKEE COUNTY WATER & SEWER AUTHORITY serves 11,013 people · EPA ID AL0000189
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 31 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

Nearby Properties on Co Rd 22

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