611 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 611 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,477 sqft · built 1960
Lot Size	2.29 acres (99,752 sqft)
Owner	Individual Name on Record
Tax Bill	$738 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-004-029.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-004-029.000`
Alternative APNs	`ALT APN:1405223004029000` `20397`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,477 sqft Living Area
1st Floor Area	2,477 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	99,752 sqft (2.29 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	18 sqft
Utility Building	120 sqft

Location & Zoning

Account Number	20397
Street Address	611 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2, & 3, BLK 3, GARRETTS ADD SD, PB 4 PG 4A & A TR BEGNE CR LOT 1;S 418.5';E 100';N 430.6'TO POB
Legal Range	09E
Legal Township	10S
Legal Section	22
Legal Subdivision	GARRETTS ADDITION
Legal Tract	B
Legal Block	3
Legal Lot Number	1-2
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4035
Census Tract	955900

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 Record	Individual Name on Record
Mailing Address	611 S RIVER ST, CENTRE, AL 35960-1923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2006
Deed Sale	May 19, 2006
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	611 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	212617
Date	Jun 22, 2020
Instrument	212617

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 16, 2030

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	611 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	212617
Date	Jun 22, 2020
Instrument	212617

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 16, 2030

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	611 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Jan 15, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	209919
Date	Nov 22, 2019
Instrument	209919

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 18, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Municipality	Centre City
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$738.00 (+2.93%)
2025	$717.00 Homeowner's exemption	$16,400 (-) Land $1,500 Building $14,900	$163,900 (-) Land $15,000 Building $148,900
2024	$717.00 (-2.85%) Additional exemption filed	$16,400 (-2.61%) Land $1,500 Building $14,900	$163,900 (-2.61%) Land $15,000 Building $148,900
2023	$738.00 Homeowner's exemption	$16,840 (-)	$168,300 (-) Land $19,400 Building $148,900
2022	$738.00 Homeowner's exemption	$16,840 Land $1,940 Building $14,900	$168,300 Land $19,400 Building $148,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 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

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

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% 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 54 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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