690 Co Rd 513, Centre, AL 35960 Property Records

Cherokee County property record for 690 Co Rd 513, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,204 sqft · built 1997
Lot Size	0.684 acres (29,795 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jul 2025)
Tax Bill	$1,253 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-17-0-000-011.030`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-17-0-000-011.030`
Alternative APNs	`ALT APN:1304170000011030` `208139`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,204 sqft Living Area
1st Floor Area	1,537 sqft
Upper Floors Area	667 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	29,795 sqft (0.684 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft
Deck Area	96 sqft

Location & Zoning

Account Number	208139
Street Address	690 COUNTY ROAD 513
City	CENTRE
State	AL
Zip	35960-6139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5, LOCKRIDGE SD 3RD ADD, PB 10/62
Legal Range	10E
Legal Township	10S
Legal Section	17
Legal Subdivision	LOCKRIDGE SD
Legal Lot Number	5
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5027
Census Tract	956000

Owner

690 Co Rd 513 is owned and occupied by two individuals who bought it in July 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	690 COUNTY ROAD 513, CENTRE, AL 35960-6139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Jul 11, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Jul 25, 2019 · Amount on File
Deed Document Number	2025239299
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 1, 2025
Property Address	690 COUNTY ROAD 513, CENTRE, AL 35960-6139
Document Number	0000239299
Instrument Date	Jun 18, 2025
Instrument	239299
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
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	690 COUNTY ROAD 513, CENTRE, AL 35960-6139

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	690 COUNTY ROAD 513, CENTRE, AL 35960-6139

Mortgage

Document Number	0000239300
Date	Jul 1, 2025
Instrument	239300

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	690 COUNTY ROAD 513, CENTRE, AL 35960-6139
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229843
Date	Jul 11, 2023
Instrument	229843

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 25, 2019
Property Address	690 COUNTY ROAD 513, CENTRE, AL 35960-6139
Document Number	0000208354
Map Reference	PB 10 PG 62
Instrument Date	Jul 25, 2019
Instrument	208354
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 E GRAND AVE, 345, BELOIT, WI 53511-6226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 CO RD SS, CENTRE, AL 35960

Tax Assessment & Valuation

The 2026 property tax bill for 690 Co Rd 513 was $1,253 with a homeowner's exemption, up 20.2% 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	$1,253.00 (+20.25%)
2025	$1,042.00 (+20.46%) Homeowner's exemption	$6,220 (+111.56%) Land $980 Building $5,240	$260,500 (+19.22%) Land $9,700 Building $250,800
2024	$865.00 Additional exemption filed	$2,940 (-86.55%) Land $880 Building $2,060	$218,500 (-) Land $8,800 Building $209,700
2023	$865.00 Homeowner's exemption	$21,860 (+643.54%)	$218,500 (-) Land $8,800 Building $209,700
2022	$865.00 Homeowner's exemption	$2,940 Land $880 Building $2,060	$218,500 Land $8,800 Building $209,700

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

FEMA maps place 690 Co Rd 513 in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 690 Co Rd 513 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 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

4G LTE only, no 5G reported

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