815 Co Rd 486, Centre, AL 35960 Property Records

Cherokee County property record for 815 Co Rd 486, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1996
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Last Sale	$31,000 (Jul 2026)
Tax Bill	$719 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-12-05-22-0-000-001.007`

Property Details

APN / Parcel Number

Primary APN	`13-12-05-22-0-000-001.007`
Alternative APNs	`ALT APN:1205220000001007` `24114`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	97,139 sqft (2.23 acres)
Garage Type	Mixed
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	304 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	24114
Street Address	815 COUNTY ROAD 486
City	CENTRE
State	AL
Zip	35960-4151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 54, J D LINDSEY EST, PLAT 1, PB 9 PG 135
Legal Range	11E
Legal Township	10S
Legal Section	22
Legal Subdivision	J D LINDSEY ESTATE PLAT 1B
Legal Lot Number	54
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1021
Census Tract	956101

Owner

Source: Cherokee County assessment roll, as of December 1, 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 File
Mailing Address	815 COUNTY ROAD 486, CENTRE, AL 35960-4151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME LENDING
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Deed Document Number	2026245012
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 27, 2026
Property Address	815 COUNTY ROAD 486, CENTRE, AL 35960-4151
Document Number	0000245012
Instrument Date	Jul 23, 2026
Instrument	2026245012
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$3,131.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 COUNTY ROAD 486, CENTRE, AL 35960-4151

Mortgage

Document Number	0000245013,
Date	Jul 27, 2026
Instrument	2026245013

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	815 COUNTY ROAD 486, CENTRE, AL 35960-4151
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	219067
Date	Jul 1, 2021
Instrument	219067

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

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
2025	$719.00 (+4.66%) Homeowner's exemption	$9,540 (+12.77%) Land $7,700 Building $1,840	$183,900 (+4.37%) Land $77,000 Building $106,900
2024	$687.00 Additional exemption filed	$8,460 (-51.99%) Land $6,880 Building $1,580	$176,200 (-) Land $68,800 Building $107,400
2023	$687.00 Homeowner's exemption	$17,620 (+108.27%)	$176,200 (-) Land $68,800 Building $107,400
2022	$687.00 Homeowner's exemption	$8,460 Land $6,880 Building $1,580	$176,200 Land $68,800 Building $107,400

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

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	4 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	Low lower than 98% of the US · lower than 99.5% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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