655 Co Rd 513, Centre, AL 35960 Property Records

Cherokee County property record for 655 Co Rd 513, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,829 sqft · built 2019
Lot Size	0.869 acres (37,897 sqft)
Owner	2 Individual Names on Record
Tax Bill	$759 (2023)
Deeds & Mortgages	Apr 2019 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-17-0-000-011.045`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-17-0-000-011.045`
Alternative APNs	`ALT APN:1304170000011045` `207008` `216565`

Interior

Stories	1 Story
Building Area	1,829 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	37,897 sqft (0.869 acres)
Garage Type	Mixed
Deck Area	Deck Area

Location & Zoning

Account Number	216565
Street Address	655 COUNTY ROAD 513
City	CENTRE
State	AL
Zip	35960-6136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL THAT PT LOT 11 LOCKRIDGE SUB ADDITION 5 13/66
Legal Subdivision	LOCKRIDGE SUB
Legal Lot Number	11
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5029
Census Tract	956000

Owner

Source: Cherokee County records, as of November 26, 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 Record
Mailing Address	PO BOX 404, CENTRE, AL 35960-0404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK OF BOAZ
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN HOME MORTGAGE CORP
Nov 21, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025
Deed Sale	Apr 17, 2025
Deed Document Number	227098
Prior Transfer Date	Nov 21, 2022
Prior Transfer Doc	227098
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	655 COUNTY ROAD 513, CENTRE, AL 35960-6136
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000207134
Date	Apr 25, 2019
Instrument	207134

Lender

Name	FIRST BANK OF BOAZ
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 9, 2019

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	655 COUNTY ROAD 513, CENTRE, AL 35960-6136
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000212391
Date	Jun 4, 2020
Instrument	212391

Lender

Name	SOUTHERN HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 21, 2022
Property Address	655 COUNTY ROAD 513, CENTRE, AL 35960-6136
Document Number	0000227098
Map Reference	PB 13 PG 66
Instrument Date	Nov 18, 2022
Instrument	227098
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 ITAZEL ST, CENTRE, AL 35960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 404, CENTRE, AL 35960-0404

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$20,560 (+604.11%) Land $1,580 Building $18,980	$235,600 (+1,513.7%) Land $15,700 Building $219,900
2023	$759.00 Homeowner's exemption	$2,920 (-3.31%)	$14,600 (-92.44%) Land $14,300 Building $300
2022	$759.00 Homeowner's exemption	$3,020 Land $1,440 Building $1,580	$193,200 Land $14,300 Building $178,900

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	3 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	Low lower than 64% of the US · lower than 78% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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