71 Co Rd 549, Centre, AL 35960 Property Records

Cherokee County property record for 71 Co Rd 549, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,050 sqft · built 2020
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$1,694 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`13-13-08-33-0-000-014.006`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-33-0-000-014.006`
Alternative APNs	`ALT APN:1308330000014006` `4262`

Interior

Stories	1 Story
Building Area	1,050 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	4262
Street Address	71 COUNTY ROAD 549
City	CENTRE
State	AL
Zip	35960-8032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR NW/4-NW/4, S 597.8', E 714' TO POB, S 150', NELY1221' TO CONTOUR LINE, WLY & NWLY 680', SWLY 616' TO POB
Legal Range	10E
Legal Township	10S
Legal Section	33
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	2
Census Block	2005
Census Tract	956000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3065 COUNTY ROAD 22, CENTRE, AL 35960-8326
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Dec 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHEAHA BANK
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jan 3, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEAHA BANK
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEAHA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217534
Date	Apr 8, 2021
Instrument	217534

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 7, 2031

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000205/403
Date	Dec 3, 2018
Book Page	205/403
Instrument	205403

Lender

Name	CHEAHA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222119
Date	Jan 3, 2022
Instrument	222119

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3065 COUNTY ROAD 22, CENTRE, AL 35960-8326

Mortgage

Document Number	0000231952
Date	Jan 3, 2024
Instrument	231952

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 3, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207615
Date	May 31, 2019
Instrument	207615

Lender

Name	CHEAHA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	71 COUNTY ROAD 549, CENTRE, AL 35960-8032
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208915
Date	Sep 4, 2019
Instrument	208915

Lender

Name	CHEAHA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,694.00 (-40.71%)
2025	$2,857.00 (+3.78%)	$65,920 (+121.95%) Land $30,800 Building $35,120	$340,200 (+3.78%) Land $154,000 Building $186,200
2024	$2,753.00	$29,700 (-54.7%) Land $27,500 Building $2,200	$327,800 (-) Land $137,500 Building $190,300
2023	$2,753.00	$65,560 (+120.74%)	$327,800 (-) Land $137,500 Building $190,300
2022	$2,753.00	$29,700 Land $27,500 Building $2,200	$327,800 Land $137,500 Building $190,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 63% of the US · above 82% of Alabama
Wildfire Likelihood	0.2% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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