614 S River St, Centre, AL 35960 Property Records

Cherokee County property record for 614 S River St, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,693 sqft · built 1970
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$299,999 (Jun 2022)
Tax Bill	$1,331 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-22-3-003-012.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-22-3-003-012.000`
Alternative APNs	`ALT APN:1405223003012000` `209290` `215271`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,693 sqft Living Area
1st Floor Area	1,897 sqft
Upper Floors Area	796 sqft
Basement Area	642 sqft
Unfinished Basement	642 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	54,886 sqft (1.26 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	366 sqft
Patio Area	390 sqft

Location & Zoning

Account Number	215271
Street Address	614 S RIVER ST
City	CENTRE
State	AL
Zip	35960-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 BLK 1 GARRETT ADD SD PB 4 PG 4-A & LOT 5 BLK 1 REARANGEMENT OF GARRETTS ADDITION 4/18
Legal Range	09E
Legal Township	10S
Legal Section	22
Legal Subdivision	GARRETT ADDITION
Legal Block	1
Legal Lot Number	4-5
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4022
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	614 S RIVER ST, CENTRE, AL 35960-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAMILY SAVINGS CU
Feb 13, 2020	Survivorship Deed, Transfer · Conventional Mortgage FAMILY SAVINGS CU
Jun 13, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Prior Sale	Feb 13, 2020 · Amount on Record
Deed Document Number	2022224725
Prior Transfer Date	Jun 12, 2019
Prior Transfer Doc	0000207763
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	614 S RIVER ST, CENTRE, AL 35960-1924
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224726
Date	Jun 10, 2022
Instrument	224726

Lender

Name	FAMILY SAVINGS CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

February 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 13, 2020
Property Address	614 S RIVER ST, CENTRE, AL 35960-1924
Document Number	0000211010
Map Reference	PB 4 PG 4A
Instrument Date	Feb 12, 2020
Instrument	211010
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	SOURCE OF TITLE

Transaction

Amount	Amount Recorded
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
Address	210 RICH ACRES RD, CENTRE, AL 35960-2468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 S RIVER ST, CENTRE, AL 35960-1924

Mortgage

Document Number	0000211011
Date	Feb 13, 2020
Instrument	211011

Lender

Name	FAMILY SAVINGS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 13, 2019
Property Address	614 S RIVER ST, CENTRE, AL 35960-1924
Document Number	0000207763
Map Reference	PB 4 PG 4A
Instrument Date	Jun 12, 2019
Instrument	207763
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 RICH ACRES RD, CENTRE, AL 35960-2468

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	$1,331.00 (+2.86%)
2025	$1,294.00	$1,800 (-) Land $1,200 Building $600	$275,200 (-) Land $12,000 Building $263,200
2024	$1,294.00	$1,800 (-93.46%) Land $1,200 Building $600	$275,200 (-0.04%) Land $12,000 Building $263,200
2023	$1,294.00 Additional exemption filed	$27,540 (+1,43%)	$275,300 (+15.96%) Land $12,000 Building $263,300
2022	Additional exemption filed	$1,800 Land $1,200 Building $600	$237,400 Land $12,000 Building $225,400

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

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 65% of the US · above 85% of Alabama
Wildfire Likelihood	0.3% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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