7715 Co Rd 22, Centre, AL 35960 Property Records

Cherokee County property record for 7715 Co Rd 22, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	3,275 sqft · built 2018
Lot Size	0.619 acres (27,007 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,333 (2025)
Deeds & Mortgages	Dec 2018 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-13-05-22-0-000-009.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-05-22-0-000-009.000`
Alternative APNs	`ALT APN:1305220000009000` `206541`

Interior

Stories	1 Story
Building Area	3,275 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,007 sqft (0.619 acres)
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	206541
Street Address	7715 COUNTY ROAD 22
City	CENTRE
State	AL
Zip	35960-6014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PT OF LOT 4, BIG WATER S/D 7/56; BEG @ THE NE COR SD LOT 4;W212;SW63;SLY ALG THE 565 CONTOUR 144;E222;N115 TO POB
Legal Tract	1
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1013
Census Tract	956102

Owner

Source: Cherokee County records, as of November 26, 2025

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	7715 COUNTY ROAD 22, CENTRE, AL 35960-6014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018
Deed Sale	Oct 15, 2018
Prior Sale	Aug 27, 2012 · Amount on Record
Deed Document Number	0193655
Prior Transfer Date	Jun 21, 2016
Prior Transfer Doc	0193655
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	7715 COUNTY ROAD 22, CENTRE, AL 35960-6014
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205706
Date	Dec 27, 2018
Instrument	205706

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2034

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	7715 COUNTY ROAD 22, CENTRE, AL 35960-6014
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212257
Date	May 27, 2020
Instrument	212257

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	$3,333.00 (+2.27%) Homeowner's exemption	$24,460 (+10.08%) Land $21,000 Building $3,460	$806,200 (+2.22%) Land $210,000 Building $596,200
2024	$3,259.00 Additional exemption filed	$22,220 (-71.83%) Land $18,760 Building $3,460	$788,700 (-) Land $187,500 Building $601,200
2023	$3,259.00 Homeowner's exemption	$78,880 (+255%)	$788,700 (-) Land $187,500 Building $601,200
2022	$3,259.00 Homeowner's exemption	$22,220 Land $18,760 Building $3,460	$788,700 Land $187,500 Building $601,200

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.04% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL · Fiber in parts of the area	50 / 10

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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