686 Co Rd 580, Centre, AL 35960 Property Records

Cherokee County property record for 686 Co Rd 580, Centre, AL 35960

Property Summary

Property Type	Other Improved
Details	1,600 sqft · built 2022
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$524,000 (May 2026)
Tax Bill	$1,295 (2026)
Deeds & Mortgages	Jul 2022 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13-13-02-10-0-000-051.008`

Property Details

APN / Parcel Number

Primary APN	`13-13-02-10-0-000-051.008`
Alternative APNs	`ALT APN:1302100000051008` `210551`

Interior

Stories	1 Story
Building Area	1,600 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)

Location & Zoning

Account Number	210551
Street Address	686 COUNTY ROAD 580
City	CENTRE
State	AL
Zip	35960
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 7 CHEROKEE LANDING 13/70
Legal Range	10E
Legal Township	10S
Legal Section	10
Legal Subdivision	CHEROKEE LANDING
Legal Lot Number	7
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1020
Census Tract	956102

Owner

686 Co Rd 580 is owned by two individuals who bought it in May 2026.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3274 PARAN RD, COOKEVILLE, TN 38506-7335
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage TJS MORTGAGE INC
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Prior Sale	Jan 10, 2006
Deed Document Number	2026243675
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	686 COUNTY ROAD 580, CENTRE, AL 35960
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000225135
Date	Jul 6, 2022
Instrument	225135

Lender

Name	TJS MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 7, 2026
Property Address	686 COUNTY ROAD 580, CENTRE, AL 35960
Document Number	0000243675
Instrument Date	May 7, 2026
Instrument	2026.243675
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,924.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3274 PARAN RD, COOKEVILLE, TN 38506-7335

Mortgage

Document Number	0000243676,
Date	May 7, 2026
Instrument	2026.243676

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 686 Co Rd 580 was $1,295, up 6.9% from the year before.

Source: Cherokee County assessment roll, as of December 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
2026	$1,295.00 (+6.94%)
2025	$1,211.00 (+6.98%)	$11,540 (-57.2%) Land $10,540 Building $1,000	$290,800 (+7.9%) Land $106,400 Building $184,400
2024	$1,132.00 (+4.33%)	$26,960 (+4.33%) Land $9,500 Building $17,460	$269,500 (+4.34%) Land $95,000 Building $174,500
2023	$1,085.00 (+54.34%)	$25,840 (+54.18%)	$258,300 (+208.23%) Land $83,800 Building $174,500
2022	$703.00	$16,760 Land $16,760	$83,800 Land $83,800

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

Flood

FEMA maps place 686 Co Rd 580 in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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

Wildfire risk around 686 Co Rd 580 is low, with a 0.03% 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	0.03% annual chance
Exposure	None beyond ember reach

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Co Rd 580

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