Cherokee County property record for 650 Co Rd 514, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,918 sqft · built 2021 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on File |
| Last Sale | $594,000 (May 2026) |
| Tax Bill | $2,041 (2026) |
| Deeds & Mortgages | May 2026 Sale Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 13-14-03-08-0-000-063.014 |
| Primary APN | 13-14-03-08-0-000-063.014 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,918 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 60,984 sqft (1.4 acres) |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 10428 |
|---|---|
| Street Address | 650 COUNTY ROAD 514 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 COOSA COVE ESTATES 12/23 |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 08 |
| Legal Subdivision | COVE ESTATES |
| Legal Lot Number | 7 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 956000 |
650 Co Rd 514 is owned and occupied by an individual who bought it in May 2026.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 944 COUNTY ROAD 112, CENTRE, AL 35960-7009 |
| 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.
| Date | Document |
|---|---|
| May 27, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Jun 4, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage CBY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on File |
| Deed Sale | May 27, 2026 · Amount on File |
| Prior Sale | Jun 4, 2018 · Amount on File |
| Deed Document Number | 2026243987 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | May 27, 2026 |
| Property Address | 650 COUNTY ROAD 514, CENTRE, AL 35960-6938 |
| Document Number | 0000243987 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026243987 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $59,994.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 944 COUNTY ROAD 112, CENTRE, AL 35960-7009 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 650 COUNTY ROAD 514, CENTRE, AL 35960-6938 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000221102 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 221102 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jun 4, 2018 |
| Property Address | 650 COUNTY ROAD 514, CENTRE, AL 35960-6938 |
| Document Number | 0000202853 |
| Instrument Date | Jun 4, 2018 |
| Instrument | 202853 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 603, CENTRE, AL 35960-0603 |
| Name | Verified Name |
|---|---|
| Address | 475 MAGNOLIA TRL, CENTRE, AL 35960-9001 |
| Investor | Possibly a Property Investor |
| Document Number | 0000202854 |
|---|---|
| Date | Jun 4, 2018 |
| Instrument | 202854 |
| Name | CBY INC |
|---|---|
| Type | Non-Lending Institution |
| Address | GADSDEN, AL 35901 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 650 Co Rd 514 was $2,041 with a homeowner's exemption, up 7.1% from the year before.
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,041.00 (+7.14%) | ||
| 2025 | $1,905.00 (+2.36%) Homeowner's exemption | $44,140 (+2.46%) Land $16,060 Building $28,080 | $466,000 (+2.24%) Land $160,500 Building $305,500 |
| 2024 | $1,861.00 (-0.05%) Additional exemption filed | $43,080 (-5.53%) Land $15,000 Building $28,080 | $455,800 (-0.02%) Land $150,000 Building $305,800 |
| 2023 | $1,862.00 (+12.24%) | $45,600 (+299.3%) | $455,900 (+15.45%) Land $150,000 Building $305,900 |
| 2022 | $1,659.00 | $11,420 Land $8,880 Building $2,540 | $394,900 Land $88,800 Building $306,100 |
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.
FEMA maps place 650 Co Rd 514 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 650 Co Rd 514 is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.1% of Alabama |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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