Cherokee County property record for 905 Co Rd 528, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 3,870 sqft · built 1990 |
| Lot Size | 0.495 acres (21,572 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,939 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-03-05-0-000-096.010 |
| Primary APN | 13-14-03-05-0-000-096.010 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,870 sqft Living Area |
| 1st Floor Area | 2,148 sqft |
| Upper Floors Area | 1,722 sqft |
| Basement Area | 1,700 sqft |
| Finished Basement | 1,252 sqft |
| Unfinished Basement | 448 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 21,572 sqft (0.495 acres) |
| Garage Area | 588 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 272 sqft |
| Deck Area | 294 sqft |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 12105 |
|---|---|
| Street Address | 905 COUNTY ROAD 528 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 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 | 11 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 956000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 65, CENTRE, AL 35960-0065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| May 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 5, 2024 | Deed of Trust, Mortgage · Commercial Mortgage PEOPLES INDEPENDENT BANK |
| May 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jun 26, 2026 |
| Property Address | 905 COUNTY ROAD 528, CENTRE, AL 35960-6765 |
| Document Number | 0000244501 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 2026244501 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000244501, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 2026244501 |
| Name | PEOPLES BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | May 7, 2026 |
| Property Address | 905 COUNTY ROAD 528, CENTRE, AL 35960-6765 |
| Document Number | 0000243686 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026243686 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 905 COUNTY ROAD 528, CENTRE, AL 35960-6765 |
| Document Number | 0000243686, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026243686 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 905 COUNTY ROAD 528, CENTRE, AL 35960-6765 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0000233134 |
|---|---|
| Date | Apr 5, 2024 |
| Instrument | 233134 |
| Name | PEOPLES INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | BOAZ, AL 35957 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 905 COUNTY ROAD 528, CENTRE, AL 35960-6765 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000224451 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 224451 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|
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 | $2,939.00 (+7.11%) | ||
| 2025 | $2,744.00 (+1.78%) Homeowner's exemption | $60,060 (+1.93%) Land $17,400 Building $42,660 | $665,900 (+1.74%) Land $173,900 Building $492,000 |
| 2024 | $2,696.00 (-0.07%) Additional exemption filed | $58,920 (-10.05%) Land $16,260 Building $42,660 | $654,500 (-0.05%) Land $162,500 Building $492,000 |
| 2023 | $2,698.00 Homeowner's exemption | $65,500 (+186.78%) | $654,800 (-) Land $162,500 Building $492,300 |
| 2022 | $2,698.00 Homeowner's exemption | $22,840 Land $16,260 Building $6,580 | $654,800 Land $162,500 Building $492,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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