585 Co Rd 778, Centre, AL 35960 Property Records

Cherokee County property record for 585 Co Rd 778, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,581 sqft · built 2021
Owner	Individual Name on File
Last Sale	$65,000 (Feb 2022)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`13-12-02-10-0-000-011.001`

Property Details

APN / Parcel Number

Primary APN	`13-12-02-10-0-000-011.001`
Alternative APNs	`ALT APN:1202100000011001` `23477`

Interior

Stories	1 Story
Building Area	1,581 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal

Location & Zoning

Account Number	23477
Street Address	585 COUNTY ROAD 778
City	CENTRE
State	AL
Zip	35960-4143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 M D MCKINLEY ESTATE PLAT 1 12/92
Legal Subdivision	M D MCKINLEY ESTATE
Legal Lot Number	1
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1017
Census Tract	956101

Owner

585 Co Rd 778 is owned and occupied by an individual who bought it in February 2022.

Source: Cherokee County records, as of November 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	585 COUNTY ROAD 778, CENTRE, AL 35960-4143
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
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 10, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2022 · Amount on File
Deed Sale	Feb 10, 2022 · Amount on File
Deed Document Number	222744
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	585 COUNTY ROAD 778, CENTRE, AL 35960-4143
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	PUNCTUAL ABSTRACT COMPANY INC, PUNCTUAL ABSTRACT CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221157
Date	Oct 29, 2021
Instrument	221157

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 10, 2022
Property Address	585 COUNTY ROAD 778, CENTRE, AL 35960-4143
Document Number	0000222744
Map Reference	PB 12 PG 92
Instrument Date	Feb 9, 2022
Instrument	222744
Transaction Type	Transfer
Record Updated	Feb 10, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 COUNTY ROAD 778, CENTRE, AL 35960-4143

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	Additional exemption filed	$4,320 Land $2,700 Building $1,620	$256,000 Land $27,100 Building $228,900
2023	Additional exemption filed	$21,260	$236,700 Land $24,200 Building $212,500

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 585 Co Rd 778 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 585 Co Rd 778 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 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

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 778

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