970 Co Rd 112, Centre, AL 35960 Property Records

Cherokee County property record for 970 Co Rd 112, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,445 sqft · built 2005
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (May 2023)
Tax Bill	$1,606 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-03-07-0-000-021.016`

Property Details

APN / Parcel Number

Primary APN	`13-14-03-07-0-000-021.016`
Alternative APNs	`ALT APN:1403070000021016` `217487` `29844`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,445 sqft Living Area
1st Floor Area	2,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)

Exterior Amenities

Porch	Patio
Porch Area	166 sqft
Deck Area	266 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	217487
Street Address	970 COUNTY ROAD 112
City	CENTRE
State	AL
Zip	35960-7009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK A RIVER BAY EST SD, PB 9 PG 50
Legal Range	09E
Legal Township	10S
Legal Section	07
Legal Subdivision	RIVER BAY ESTATES SD
Legal Block	A
Legal Lot Number	9
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	4
Census Block	4014
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	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTH POINTE BANK
Oct 12, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage QUICKEN LOANS INC
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	Apr 13, 2015 · Amount on Record
Deed Document Number	2023229243
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 18, 2023
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Document Number	0000229243
Map Reference	PP 9 PG 50
Instrument Date	May 12, 2023
Instrument	229243
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Amount	Amount Recorded
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	970 COUNTY ROAD 112, CENTRE, AL 35960-7009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	673 E MAIN ST, CENTRE, AL 35960-2126

Mortgage

Document Number	0000229244
Date	May 18, 2023
Instrument	229244

Lender

Name	SOUTH POINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	199994
Date	Oct 12, 2017
Instrument	199994

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	213244
Date	Jul 23, 2020
Instrument	213244

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2040

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	209412
Date	Oct 9, 2019
Instrument	209412

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	216423
Date	Feb 2, 2021
Instrument	216423

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 112, CENTRE, AL 35960-7009
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220231
Date	Sep 8, 2021
Instrument	220231

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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	$1,606.00 (+7.28%)
2025	$1,497.00 (+3.03%) Homeowner's exemption	$34,540 (+3.17%) Land $16,060 Building $18,480	$369,000 (+2.93%) Land $160,500 Building $208,500
2024	$1,453.00 (+4.76%) Additional exemption filed	$33,480 (+11.3%) Land $15,000 Building $18,480	$358,500 (+138.36%) Land $150,000 Building $208,500
2023	$1,387.00 Homeowner's exemption	$30,080 (+79.69%)	$150,400 (-56.15%) Land $150,000 Building $400
2022	$1,387.00 Homeowner's exemption	$16,740 Land $15,000 Building $1,740	$343,000 Land $150,000 Building $193,000

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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