5981 Co Rd 16, Centre, AL 35960 Property Records

Cherokee County property record for 5981 Co Rd 16, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,404 sqft · built 1965
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Last Sale	$184,000 (Feb 2021)
Tax Bill	$535 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-12-08-33-0-000-014.000`

Property Details

APN / Parcel Number

Primary APN	`13-12-08-33-0-000-014.000`
Alternative APNs	`ALT APN:1208330000014000` `211505`

Interior

Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	261,360 sqft (6 acres)
Garage Type	Carport
Garage Area	297 sqft
Carport	Carport
Carport Area	297 sqft
Porch	Slab
Porch Area	297 sqft
Shed	1 Shed

Location & Zoning

Account Number	211505
Street Address	5981 COUNTY ROAD 16
City	CENTRE
State	AL
Zip	35960-3810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG NW CR SW/4 SE/4, S 520;SE206;NE435;N429;W524 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

5981 Co Rd 16 is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	5975 COUNTY ROAD 16, CENTRE, AL 35960-3810
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
Feb 9, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Oct 22, 2019	Quit Claim Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Jan 10, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2021 · Amount on File
Deed Sale	Feb 9, 2021 · Amount on File
Prior Sale	Jul 24, 2020 · Amount on File
Deed Document Number	2021216544
Prior Transfer Date	Sep 20, 2019
Prior Transfer Doc	0000209558
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 9, 2021
Property Address	5981 COUNTY ROAD 16, CENTRE, AL 35960-3810
Document Number	0000216544
Instrument Date	Feb 8, 2021
Instrument	216544
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	5975 COUNTY ROAD 16, CENTRE, AL 35960-3810

Mortgage

Document Number	0000216545
Date	Feb 9, 2021
Instrument	216545

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 22, 2019
Property Address	5981 COUNTY ROAD 16, CENTRE, AL 35960-3810
Document Number	0000209558
Instrument Date	Sep 20, 2019
Instrument	209558
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5981 COUNTY ROAD 16, CENTRE, AL 35960-3810

Mortgage

Document Number	0000209559
Date	Oct 22, 2019
Instrument	209559

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 10, 2019
Property Address	5981 COUNTY ROAD 16, CENTRE, AL 35960-3810
Document Number	0000205838
Instrument Date	Jan 7, 2019
Instrument	205838
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	399 CANOE CREEK RD, RAINBOW CITY, AL 35906-8974

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5475 COUNTY RD, CENTRE, AL 35960

Tax Assessment & Valuation

The 2026 property tax bill for 5981 Co Rd 16 was $535 with a homeowner's exemption, up 7.4% 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	$535.00 (+7.43%)
2025	$498.00 (+7.79%) Homeowner's exemption	$12,640 (+3.44%) Land $2,660 Building $9,980	$134,400 (+9.62%) Land $27,100 Building $107,300
2024	$462.00 Additional exemption filed	$12,220 (-0.49%) Land $2,460 Building $9,760	$122,600 (-) Land $24,600 Building $98,000
2023	$462.00 Homeowner's exemption	$12,280 (+387.3%)	$122,600 (-) Land $24,600 Building $98,000
2022	$462.00 Homeowner's exemption	$2,520 Land $2,460 Building $60	$122,600 Land $24,600 Building $98,000

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 5981 Co Rd 16 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	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 5981 Co Rd 16 is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 86% of Alabama
Wildfire Likelihood	0.3% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
TDS Telecom DSL	50 / 10

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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