970 Co Rd 454, Centre, AL 35960 Property Records

Cherokee County property record for 970 Co Rd 454, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,785 sqft · built 2011
Lot Size	3.12 acres (135,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$343,000 (Mar 2026)
Tax Bill	$682 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`13-13-07-26-0-000-004.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-07-26-0-000-004.000`
Alternative APNs	`ALT APN:1307260000004000` `217155` `19838`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,785 sqft Living Area
1st Floor Area	1,190 sqft
Upper Floors Area	595 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	135,907 sqft (3.12 acres)
Porch	Patio
Porch Area	240 sqft
Deck Area	16 sqft

Location & Zoning

Account Number	217155
Street Address	970 COUNTY ROAD 454
City	CENTRE
State	AL
Zip	35960-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM @ THE NE COR NE1/4,NW1/4;W83.41 TO POB;S391;W440;CONTWLY ALG CONTOUR 256;ELY321;NE141;N219;E307.15 TO POB
Legal Range	10E
Legal Township	10S
Legal Section	26
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1029
Census Tract	956102

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	2 Individual Names on Record
Mailing Address	970 COUNTY ROAD 454, CENTRE, AL 35960-5431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage DIRECT LENDERS LLC
Mar 28, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2026 · Amount on Record
Deed Sale	Mar 2, 2026 · Amount on Record
Prior Sale	Mar 28, 2023 · Amount on Record
Deed Document Number	2026242652
Prior Transfer Date	Mar 3, 2023
Prior Transfer Doc	0000228554
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	970 COUNTY ROAD 454, CENTRE, AL 35960-5431
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 ROSEMARY PATH, ROCKMART, GA 30153-6813

Mortgage

Document Number	0000242653
Date	Mar 2, 2026
Instrument	242653

Lender

Name	DIRECT LENDERS LLC
Type	Mortgage Company
Address	KENNESAW, GA 30152

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2056

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Mar 28, 2023
Property Address	970 COUNTY ROAD 454, CENTRE, AL 35960-5431
Document Number	0000228554
Instrument Date	Mar 3, 2023
Instrument	228554
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2120 ELDORADO DR NE, ATLANTA, GA 30345-3415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 ELDORADO DRIVE NE, ATLANTA, GA 30345

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	$682.00 (+6.9%)
2025	$638.00 (+5.45%)	$14,740 (+737.5%) Land $1,440 Building $13,300	$151,900 (+5.49%) Land $14,400 Building $137,500
2024	$605.00 (-14.55%)	$1,760 (+2,833.33%) Land $1,320 Building $440	$144,000 (+47,9%) Land $13,100 Building $130,900
2023	$708.00	$60 (-96.7%)	$300 (-99.82%) Building $300
2022	$708.00	$1,820 Land $1,320 Building $500	$168,500 Land $13,100 Building $155,400

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 2021 · river or lake 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	Moderate above 66% of the US · above 86% of Alabama
Wildfire Likelihood	0.2% 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 23 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
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

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

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