865 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 865 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1984
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Last Sale	$413,000 (Aug 2024)
Tax Bill	$664 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-08-28-0-000-144.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-28-0-000-144.000`
Alternative APNs	`ALT APN:1308280000144000` `207726` `220268`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft

Location & Zoning

Account Number	220268
Street Address	865 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-8211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, SHARON HEIGHTS 1ST ADD PB 8 PG 47
Legal Range	10E
Legal Township	10S
Legal Section	28
Legal Subdivision	SHARON HEIGHTS FIRST ADDITION
Legal Lot Number	2
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3008
Census Tract	956102

Owner

865 Co Rd 40 is owned by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1671 PINEFIELD RD, MARIETTA, GA 30066-1250
Owner Type	Individual
Vesting	Remainderman

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 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Aug 27, 2024	Warranty Deed, Transfer · Conventional Mortgage PRIMEMAX MORTGAGE COMPANY LLC
May 9, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2024 · Amount on File
Deed Sale	Aug 27, 2024 · Amount on File
Prior Sale	May 9, 2019 · Amount on File
Deed Document Number	2024235333
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	865 COUNTY ROAD 40, CENTRE, AL 35960-8211
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212738
Date	Jun 29, 2020
Instrument	212738

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

Interest

Rate Type	Fixed Rate

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 27, 2024
Property Address	865 COUNTY ROAD 40, CENTRE, AL 35960-8211
Document Number	0000235333
Map Reference	MB 8 PG 47
Instrument Date	Aug 23, 2024
Instrument	235333
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1671 PINEFIELD RD, MARIETTA, GA 30066-1250

Mortgage

Document Number	0000235334
Date	Aug 27, 2024
Instrument	235334

Lender

Name	PRIMEMAX MORTGAGE COMPANY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 9, 2019
Property Address	865 COUNTY ROAD 40, CENTRE, AL 35960-8211
Document Number	0000207330
Map Reference	PB 8 PG 47
Instrument Date	May 9, 2019
Instrument	207330
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 BOYD RD SW, ROME, GA 30161-4253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2602 FOXMORE CIR, DALTON, GA 30720-4913
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 865 Co Rd 40 was $664, up 6.9% 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	$664.00 (+6.92%)
2025	$621.00 (+25.96%)	$14,540 (+25.34%) Land $780 Building $13,760	$147,900 (+26.19%) Land $7,800 Building $140,100
2024	$493.00	$11,600 (-1.19%) Land $720 Building $10,880	$117,200 (-) Land $7,100 Building $110,100
2023	$493.00	$11,740 (+1,265.12%)	$117,200 (-) Land $7,100 Building $110,100
2022	$493.00	$860 Land $720 Building $140	$117,200 Land $7,100 Building $110,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 865 Co Rd 40 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	3 in force
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 865 Co Rd 40 is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 61% of Alabama
Wildfire Likelihood	0.1% 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	CHEROKEE COUNTY WATER & SEWER AUTHORITY serves 11,013 people · EPA ID AL0000189
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 48 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

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

Nearby Properties on Co Rd 40

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