735 Co Rd 959, Centre, AL 35960 Property Records

Cherokee County property record for 735 Co Rd 959, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,920 sqft · built 1994
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,530 (2026)
Deeds & Mortgages	Feb 2024 Construction Loan Oct 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-03-08-0-000-001.022`

Property Details

APN / Parcel Number

Primary APN	`13-14-03-08-0-000-001.022`
Alternative APNs	`ALT APN:1403080000001022` `209900`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Logs
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Deck Area	240 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	209900
Street Address	735 COUNTY ROAD 959
City	CENTRE
State	AL
Zip	35960-8701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM AT NE COR; W50; S183.2 TO POB; CONT S 160.83; NW383.31; NELY ALG CONTOUR 415 TO POB
Legal Range	09E
Legal Township	10S
Legal Section	08
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4001
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	2 Individual Names on Record
Mailing Address	520 MISTLETOE HOLLOW RD, GADSDEN, AL 35901-5740
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Deed of Trust, Mortgage · Construction Mortgage THE EXCHANGE BANK OF ALABAMA
Oct 2, 2024	Deed of Trust, Mortgage · Construction Mortgage THE EXCHANGE BANK OF ALABAMA
Jun 12, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	735 COUNTY ROAD 959, CENTRE, AL 35960-8701
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232366
Date	Feb 9, 2024
Instrument	232366

Lender

Name	THE EXCHANGE BANK OF ALABAMA
Type	Bank
Address	GADSDEN, AL 35902

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	735 COUNTY ROAD 959, CENTRE, AL 35960-8701
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000235852
Date	Oct 2, 2024
Instrument	235852

Lender

Name	THE EXCHANGE BANK OF ALABAMA
Type	Bank
Address	GADSDEN, AL 35902

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 12, 2020
Property Address	735 COUNTY ROAD 959, CENTRE, AL 35960-8701
Document Number	0000212515
Instrument Date	Jun 10, 2020
Instrument	212515
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 406, GADSDEN, AL 35902-0406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 MISTLEBER HOLLOW RD, GADSDEN, AL 35901

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	$1,530.00 (-11.15%)
2025	$1,722.00 (+3.3%)	$36,780 (+60.05%) Land $20,060 Building $16,720	$410,000 (+3.3%) Land $200,600 Building $209,400
2024	$1,667.00	$22,980 (-42.12%) Land $18,760 Building $4,220	$396,900 (-) Land $187,500 Building $209,400
2023	$1,667.00	$39,700 (+72.76%)	$396,900 (-) Land $187,500 Building $209,400
2022	$1,667.00	$22,980 Land $18,760 Building $4,220	$396,900 Land $187,500 Building $209,400

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 77% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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