Cherokee County property record for 865 Co Rd 528, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,752 sqft · built 1989 |
| Lot Size | 0.596 acres (25,982 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,811 (2026) |
| Deeds & Mortgages | Feb 2025 Mortgage Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-03-05-0-000-096.008 |
| Primary APN | 13-14-03-05-0-000-096.008 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,752 sqft |
| Basement Area | 1,752 sqft |
| Finished Basement | 1,752 sqft |
| Unfinished Basement | 1,752 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,982 sqft (0.596 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 520 sqft |
| Account Number | 21657 |
|---|---|
| Street Address | 865 COUNTY ROAD 528 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLK A COUNTRY LAKE ESTATES SD, PB 9 PG 5 |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 05 |
| Legal Subdivision | COUNTRY LAKE ESTATES SD |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 956000 |
865 Co Rd 528 is owned by an individual who acquired it in March 2021.
Source: Cherokee County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 ARMORY RD, CENTRE, AL 35960-1602 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Mar 15, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2008 |
| Deed Sale | Sep 15, 2008 |
| Prior Sale | Nov 15, 2005 · Amount on File |
| Deed Document Number | 2008156333 |
| Last Transfer Date | Mar 12, 2021 |
| Transfer Doc | 0000217252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 865 COUNTY ROAD 528, CENTRE, AL 35960-6764 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 865 COUNTY ROAD 528, CENTRE, AL 35960-6764 |
| Document Number | 0000237467 |
|---|---|
| Date | Feb 11, 2025 |
| Instrument | 237467 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Mar 15, 2018 |
| Property Address | 865 COUNTY ROAD 528, CENTRE, AL 35960-6764 |
| Document Number | 0000201817 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 201817 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 25, CENTRE, AL 35960-0025 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 710 COUNTY ROAD 407, CENTRE, AL 35960-6759 |
The 2026 property tax bill for 865 Co Rd 528 was $1,811, up 7% from the year before.
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,811.00 (+6.97%) | ||
| 2025 | $1,693.00 (+3.17%) | $19,480 (-49.19%) Land $18,740 Building $740 | $403,100 (+3.15%) Land $187,300 Building $215,800 |
| 2024 | $1,641.00 (-0.06%) | $38,340 (-1.94%) Land $17,500 Building $20,840 | $390,800 (-0.03%) Land $175,000 Building $215,800 |
| 2023 | $1,642.00 | $39,100 (+114.13%) | $390,900 (-) Land $175,000 Building $215,900 |
| 2022 | $1,642.00 | $18,260 Land $17,500 Building $760 | $390,900 Land $175,000 Building $215,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 865 Co Rd 528 in Zone X, an area of minimal flood risk, within 100 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 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 risk around 865 Co Rd 528 is low, with a 0.05% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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