655 Co Rd 13, Centre, AL 35960 Property Records

Cherokee County property record for 655 Co Rd 13, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,556 sqft · built 1950
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$157,300 (Oct 2025)
Tax Bill	$561 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-13-05-22-0-000-027.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-05-22-0-000-027.000`
Alternative APNs	`ALT APN:1305220000027000` `19834`

Interior

Stories	1 Story
Building Area	1,556 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,295 sqft (0.419 acres)
Porch	Open Porch
Porch Area	24 sqft

Location & Zoning

Account Number	19834
Street Address	655 COUNTY ROAD 13
City	CENTRE
State	AL
Zip	35960-5510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT SE COR NE/4 NE/4; W 210';N 210';E 210';S 210'TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1028
Census Tract	956102

Owner

Source: Cherokee County records · APN 13-13-05-22-0-000-027.000

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	Individual Name on File
Mailing Address	655 COUNTY ROAD 13, CENTRE, AL 35960-5510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Deed Document Number	240906
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 21, 2025
Property Address	655 COUNTY ROAD 13, CENTRE, AL 35960-5510
Document Number	0000240906
Instrument Date	Oct 17, 2025
Instrument	240906
Transaction Type	Transfer
Record Updated	Nov 03, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	695 COUNTY ROAD 13, CENTRE, AL 35960-5510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 COUNTY ROAD 13, CENTRE, AL 35960-5510

Mortgage

Document Number	0000240907
Date	Oct 21, 2025
Instrument	240907

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

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
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$561.00 (+5.45%)	$13,360 (+5.36%) Land $860 Building $12,500	$66,800 (+5.36%) Land $4,300 Building $62,500
2024	$532.00	$12,680 (-) Land $780 Building $11,900	$63,400 (-) Land $3,900 Building $59,500
2023	$532.00	$12,680 (-)	$63,400 (-) Land $3,900 Building $59,500
2022	$532.00	$12,680 Land $780 Building $11,900	$63,400 Land $3,900 Building $59,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 15, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 2021 · river or lake flooding

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 46% of Alabama
Wildfire Likelihood	0.09% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Starlink Satellite	280 / 30

Based on FCC filings for 15 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 13

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