945 Co Rd 414, Centre, AL 35960 Property Records

Cherokee County property record for 945 Co Rd 414, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,894 sqft · built 2001
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Jul 2021)
Tax Bill	$845 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-19-0-000-026.019`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-19-0-000-026.019`
Alternative APNs	`ALT APN:1304190000026019` `212809`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,894 sqft Living Area
1st Floor Area	1,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft

Location & Zoning

Account Number	212809
Street Address	945 COUNTY ROAD 414
City	CENTRE
State	AL
Zip	35960-8364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 ROLLING HILLS ESTATES ADD 1 12/45
Legal Range	10E
Legal Township	10S
Legal Section	19
Legal Subdivision	ROLLING HILLS ESTATES
Legal Lot Number	16
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	2
Census Block	2007
Census Tract	956000

Owner

945 Co Rd 414 is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 30, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2017	Intrafamily Transfer, Transfer
Oct 3, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Oct 3, 2017 · Amount on File
Deed Document Number	2021219559
Prior Transfer Date	Nov 1, 2017
Prior Transfer Doc	0000200291
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

Mortgage

Document Number	0000241840
Date	Dec 30, 2025
Instrument	241840

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 30, 2021
Property Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364
Document Number	0000219559
Map Reference	PB 12 PG 45
Instrument Date	Jul 27, 2021
Instrument	219559
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
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	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

Mortgage

Document Number	0000219560
Date	Jul 30, 2021
Instrument	219560

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Nov 2, 2017
Property Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364
Document Number	0000200291
Instrument Date	Nov 1, 2017
Instrument	200291
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 3, 2017
Property Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364
Document Number	0000199874
Instrument Date	Sep 29, 2017
Instrument	199874
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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
Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 COUNTY ROAD 414, CENTRE, AL 35960-8364

Mortgage

Document Number	0000199875
Date	Oct 3, 2017
Instrument	199875

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 945 Co Rd 414 was $845, up 7.2% 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	$845.00 (+7.23%)
2025	$788.00 (+5.63%)	$22,980 (+5.41%) Land $2,180 Building $20,800	$229,800 (+5.46%) Land $21,800 Building $208,000
2024	$746.00 Additional exemption filed	$21,800 (-) Land $1,980 Building $19,820	$217,900 (-) Land $19,800 Building $198,100
2023	Additional exemption filed	$21,800 (-)	$217,900 (-) Land $19,800 Building $198,100
2022	$746.00 Additional exemption filed	$21,800 Land $1,980 Building $19,820	$217,900 Land $19,800 Building $198,100

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

FEMA maps place 945 Co Rd 414 in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 945 Co Rd 414 is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 64% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

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

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