880 Co Rd 445, Centre, AL 35960 Property Records

Cherokee County property record for 880 Co Rd 445, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,575 sqft · built 1970
Lot Size	1.26 acres (55,100 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (May 2025)
Tax Bill	$1,880 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-14-01-11-0-000-026.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-01-11-0-000-026.000`
Alternative APNs	`ALT APN:1401110000026000` `213625`

Interior

Stories	1 Story
Building Area	1,575 sqft Living Area
1st Floor Area	1,575 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	55,100 sqft (1.26 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	213625
Street Address	880 COUNTY ROAD 445
City	CENTRE
State	AL
Zip	35960-6404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, SAND VALLEY S/D, PB 7/23
Legal Range	09E
Legal Township	10S
Legal Section	11
Legal Subdivision	SAND VALLEY SD
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5026
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	Individual Name on Record
Mailing Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage ACOPIA LLC
Jun 1, 2021	Deed of Trust, Mortgage · VA Mortgage ACOPIA LLC
Nov 9, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 18, 2019	Warranty Deed, Transfer · VA Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	2025238876
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209990
Date	Nov 26, 2019
Instrument	209990

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218484
Date	Jun 1, 2021
Instrument	218484

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 9, 2021
Property Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404
Document Number	0000221330
Map Reference	PB 7 PG 23
Instrument Date	Aug 26, 2021
Instrument	221330
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2868 DAVIS RIDGE RD, RINGGOLD, GA 30736-5917

Mortgage

Document Number	0000221331
Date	Nov 9, 2021
Instrument	221331

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 18, 2019
Property Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404
Document Number	0000205926
Map Reference	PB 7 PG 23
Instrument Date	Jan 17, 2019
Instrument	205926
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	880 COUNTY ROAD 445, CENTRE, AL 35960-6404

Mortgage

Document Number	0000205927
Date	Jan 18, 2019
Instrument	205927

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

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
2026	$1,880.00 (+25.92%)
2025	$1,493.00 (+2.61%)	$32,500 (+2.85%) Land $10,700 Building $21,800	$177,800 (+2.6%) Land $53,500 Building $124,300
2024	$1,455.00 (+6.52%)	$31,600 (-2.89%) Land $10,000 Building $21,600	$173,300 (+6.52%) Land $50,000 Building $123,300
2023	$1,366.00	$32,540 (+197.44%)	$162,700 (-) Land $50,000 Building $112,700
2022	$1,366.00	$10,940 Land $10,000 Building $940	$162,700 Land $50,000 Building $112,700

Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.09% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Co Rd 445

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures