605 Co Rd 389, Centre, AL 35960 Property Records

Cherokee County property record for 605 Co Rd 389, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,508 sqft · built 1986
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2026)
Tax Bill	$2,576 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-03-08-0-000-001.014`

Property Details

APN / Parcel Number

Primary APN	`13-14-03-08-0-000-001.014`
Alternative APNs	`ALT APN:1403080000001014` `215432` `26005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	33,977 sqft (0.78 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Deck Area	160 sqft

Location & Zoning

Account Number	215432
Street Address	605 COUNTY ROAD 389
City	CENTRE
State	AL
Zip	35960-6749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 CREEKWOOD SUBD PB 8 PG 84
Legal Range	09E
Legal Township	10S
Legal Section	08
Legal Subdivision	CREEKWOOD SUBD
Legal Lot Number	13
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4001
Census Tract	956000

Owner

605 Co Rd 389 is owned and occupied by two individuals who bought it in September 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	605 COUNTY ROAD 389, CENTRE, AL 35960-6749
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
Sep 17, 2026	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on File
Deed Sale	Sep 17, 2026 · Amount on File
Prior Sale	Apr 8, 2025 · Amount on File
Deed Document Number	2026245875
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 17, 2026
Property Address	605 COUNTY ROAD 389, CENTRE, AL 35960-6749
Document Number	0000245875
Instrument Date	Sep 15, 2026
Instrument	2026245875
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,925.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 COUNTY ROAD 389, CENTRE, AL 35960-6749

Mortgage

Document Number	0000245876,
Date	Sep 17, 2026
Instrument	2026245876

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2022
Property Address	605 COUNTY ROAD 389, CENTRE, AL 35960-6749
Document Number	0000225067
Map Reference	PB 8 PG 84
Instrument Date	Jun 30, 2022
Instrument	225067
Transaction Type	Transfer
Record Updated	May 30, 2023

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	605 COUNTY ROAD 389, CENTRE, AL 35960-6749

Mortgage

Document Number	0000225068
Date	Jun 30, 2022
Instrument	225068

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 605 Co Rd 389 was $2,576 with a homeowner's exemption, up 176.7% 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	$2,576.00 (+176.69%)
2025	$931.00 (+3.22%) Homeowner's exemption	$23,440 (+3.08%) Land $10,700 Building $12,740	$234,400 (+3.08%) Land $107,000 Building $127,400
2024	$902.00 Additional exemption filed	$22,740 (-) Land $10,000 Building $12,740	$227,400 (-) Land $100,000 Building $127,400
2023	$902.00 (+13.17%) Homeowner's exemption	$22,740 (+12.35%)	$227,400 (+12.35%) Land $100,000 Building $127,400
2022	$797.00 Homeowner's exemption	$20,240 Land $7,500 Building $12,740	$202,400 Land $75,000 Building $127,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 605 Co Rd 389 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
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And 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 605 Co Rd 389 is moderate, ranking above 44% 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 44% of the US · above 48% 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	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people · EPA ID AL0000188
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2020
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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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