613 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 613 S River St, Centre, AL 35960 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2,206 sqft · built 1962
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Nov 2024 Second Mortgage Nov 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-004-030.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-004-030.000`
Alternative APNs	`ALT APN:1405223004030000` `22599`

Interior

Stories	1 Story
Building Area	2,206 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Carport
Carport	Carport
Carport Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	50 sqft
Patio Area	340 sqft
Utility Building	96 sqft

Location & Zoning

Account Number	22599
Street Address	613 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL CONTAINS LOT 4 AND PART OF LOT 5, GARRETTS ADD S/D,PB 4/4-A
Legal Subdivision	GARRETTS ADDITION
Legal Lot Number	4-5
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4035
Census Tract	955900

Owner

Source: Cherokee County records · APN 13-14-05-22-3-004-030.000

Assessment roll updated January 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	613 S RIVER ST, CENTRE, AL 35960-1923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 01, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Nov 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2009
Deed Sale	Jun 01, 2009
Record Updated	Jun 08, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	613 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Feb 04, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236267
Date	Nov 01, 2024
Instrument	236267

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Oct 01, 2044

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	613 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Dec 04, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000241240
Date	Nov 12, 2025
Instrument	241240

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 01, 2045

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	613 S RIVER ST, CENTRE, AL 35960-1923
Transaction Type	Mortgage
Record Updated	Mar 11, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	211033
Date	Feb 14, 2020
Instrument	211033

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$1,300 (-92.82%) Land $700 Building $600	$180,200 (-0.28%) Land $7,000 Building $173,200
2023	Additional exemption filed	$18,100	$180,700 Land $7,500 Building $173,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010199559004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	About 1 in 495 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 54 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on S River St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures