Cherokee County property record for 966 S Watson Dr, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,400 sqft · built 1985 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $117,000 (Jul 2017) |
| Tax Bill | $523 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 13-14-05-21-1-004-046.000 |
| Primary APN | 13-14-05-21-1-004-046.000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,400 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Account Number | 203677 |
|---|---|
| Street Address | 966 S WATSON DR |
| City | CENTRE |
| State | AL |
| Zip | 35960-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2, BLOCK E, WEST HILLS S/D, PB 6/63 |
| Legal Block | E |
| Legal Lot Number | 2 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 955900 |
Source: Cherokee County records, as of November 26, 2025
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 | 966 S WATSON DR, CENTRE, AL 35960-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2021 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT |
| Nov 17, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT |
| Jul 5, 2017 | Warranty Deed, Transfer · Stand-Alone First Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2017 · Amount on Record |
| Deed Sale | Jul 5, 2017 · Amount on Record |
| Prior Sale | Oct 2, 2009 · Amount on Record |
| Deed Document Number | 198632 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 966 S WATSON DR, CENTRE, AL 35960-1704 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000220262 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 220262 |
| Name | VILLAGE CAPITAL & INVESTMENT |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 966 S WATSON DR, CENTRE, AL 35960-1704 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000215283 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 215283 |
| Name | VILLAGE CAPITAL & INVESTMENT |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jul 5, 2017 |
| Property Address | 966 S WATSON DR, CENTRE, AL 35960-1704 |
| Document Number | 0000198632 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 198632 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 966 S WATSON DR, 966, CENTRE, AL 35960-1704 |
| Name | Verified Name |
|---|---|
| Address | 966 S WATSON DR, CENTRE, AL 35960-1704 |
| Document Number | 0000198633 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 198633 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $523.00 Additional exemption filed | $13,600 (-) Land $520 Building $13,080 | $135,900 (-) Land $5,100 Building $130,800 |
| 2024 | $523.00 (+0.19%) Additional exemption filed | $13,600 (+0.29%) Land $520 Building $13,080 | $135,900 (+0.22%) Land $5,100 Building $130,800 |
| 2023 | $522.00 Additional exemption filed | $13,560 (-) | $135,600 (-) Land $4,800 Building $130,800 |
| 2022 | $522.00 Additional exemption filed | $13,560 Land $480 Building $13,080 | $135,600 Land $4,800 Building $130,800 |
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.
Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 50% of Alabama |
|---|---|
| Wildfire Likelihood | 0.09% 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.
Source: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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