695 Co Rd 13, Centre, AL 35960 Property Records

Cherokee County property record for 695 Co Rd 13, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,983 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$145,321 (Nov 2023)
Tax Bill	$1,625 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-13-06-23-0-000-001.001`

Property Details

APN / Parcel Number

Primary APN	`13-13-06-23-0-000-001.001`
Alternative APNs	`ALT APN:1306230000001001` `220474` `3340`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,983 sqft Living Area
1st Floor Area	1,983 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Utility Building	110 sqft

Location & Zoning

Account Number	220474
Street Address	695 COUNTY ROAD 13
City	CENTRE
State	AL
Zip	35960-5510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT N R/W CO RD 13 & W SEC LN, ELY 135' TO POB, E 208.7'N 208.8', W 208.7', S 208.7' TO POB
Legal Range	10E
Legal Township	10S
Legal Section	23
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1028
Census Tract	956102

Owner

695 Co Rd 13 is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	695 COUNTY ROAD 13, CENTRE, AL 35960-5510
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Jan 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on File
Deed Sale	Nov 28, 2023 · Amount on File
Deed Document Number	2023231583
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	695 COUNTY ROAD 13, CENTRE, AL 35960-5510
Transaction Type	Mortgage
Record Updated	Jul 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	207997
Date	Jun 28, 2019
Instrument	207997

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 24, 2029

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	695 COUNTY ROAD 13, CENTRE, AL 35960-5510
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	205841
Date	Jan 11, 2019
Instrument	205841

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 7, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 695 Co Rd 13 was $1,625, up 7% 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	$1,625.00 (+6.98%)
2025	$1,519.00 (+127.06%)	$36,180 (+110.35%) Land $1,460 Building $34,720	$180,900 (+5.24%) Land $7,300 Building $173,600
2024	$669.00 Additional exemption filed	$17,200 (-) Land $660 Building $16,540	$171,900 (-) Land $6,600 Building $165,300
2023	$669.00 Homeowner's exemption	$17,200 (-)	$171,900 (-) Land $6,600 Building $165,300
2022	$669.00 Homeowner's exemption	$17,200 Land $660 Building $16,540	$171,900 Land $6,600 Building $165,300

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 695 Co Rd 13 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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
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 695 Co Rd 13 is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 46% of Alabama
Wildfire Likelihood	0.09% 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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

Nearby Properties on Co Rd 13

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