945 Co Rd 54, Centre, AL 35960 Property Records

Cherokee County property record for 945 Co Rd 54, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,578 sqft · built 1994
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on Record
Tax Bill	$702 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-04-17-0-000-008.001`

Property Details

APN / Parcel Number

Primary APN	`13-14-04-17-0-000-008.001`
Alternative APNs	`ALT APN:1404170000008001` `1569`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,578 sqft Living Area
1st Floor Area	1,853 sqft
Upper Floors Area	725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	514 sqft
Utility Building	138 sqft

Location & Zoning

Account Number	1569
Street Address	945 COUNTY ROAD 54
City	CENTRE
State	AL
Zip	35960-6924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM AT NE COR NW/4; W733; S462; TO POB; W221; S253; E221; N253 TO POB
Legal Range	09E
Legal Township	10S
Legal Section	17
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4053
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	945 COUNTY ROAD 54, CENTRE, AL 35960-6924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Oct 30, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	945 COUNTY ROAD 54, CENTRE, AL 35960-6924
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	219707
Date	Aug 9, 2021
Instrument	219707

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 2, 2031

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	945 COUNTY ROAD 54, CENTRE, AL 35960-6924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200240
Date	Oct 30, 2017
Instrument	200240

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	PIEDMONT, AL 36272

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$702.00 (+7.34%)
2025	$654.00	$19,200 (-) Land $840 Building $18,360	$191,900 (-) Land $8,400 Building $183,500
2024	$654.00 Additional exemption filed	$19,200 (-) Land $840 Building $18,360	$191,900 (-) Land $8,400 Building $183,500
2023	$654.00 Additional exemption filed	$19,200 (-)	$191,900 (-) Land $8,400 Building $183,500
2022	$654.00 Additional exemption filed	$19,200 Land $840 Building $18,360	$191,900 Land $8,400 Building $183,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 X minimal risk
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

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 7 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Spectrum, Verizon.

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