9786 Co Rd 18, Centre, AL 35960 Property Records

Cherokee County property record for 9786 Co Rd 18, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2,293 sqft · built 2017
Lot Size	36 acres (1,568,160 sqft)
Owner	2 Individual Names on File
Last Sale	$102,500 (Dec 2013)
Tax Bill	$1,215 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-07-25-0-000-006.001`

Property Details

APN / Parcel Number

Primary APN	`13-18-07-25-0-000-006.001`
Alternative APNs	`ALT APN:1807250000006001` `28172`

Interior

Stories	1 Story
Building Area	2,293 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,568,160 sqft (36 acres)
Garage Type	Mixed
Deck Area	Deck Area

Location & Zoning

Account Number	28172
Street Address	9786 COUNTY ROAD 18
City	CENTRE
State	AL
Zip	35960-3587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT THE NE COR SE/4 NW/4 S1627.19; W803; N698.34; NW949.2 2; ELY 1287.34 TO POB
Legal Range	10E
Legal Township	11S
Legal Section	25
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3063
Census Tract	956102

Owner

9786 Co Rd 18 is owned and occupied by two individuals who acquired it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	9786 COUNTY ROAD 18, CENTRE, AL 35960-3587
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
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Mar 21, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2013 · Amount on File
Deed Sale	Dec 13, 2013 · Amount on File
Deed Document Number	2013182071
Last Transfer Date	Feb 1, 2022
Transfer Doc	0000223363
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	9786 COUNTY ROAD 18, CENTRE, AL 35960-3587
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000225168
Date	Jul 8, 2022
Instrument	225168

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2032

Interest

Rate Type	Fixed Rate

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Mar 21, 2022
Property Address	9786 COUNTY ROAD 18, CENTRE, AL 35960-3587
Document Number	0000223363
Instrument Date	Feb 1, 2022
Instrument	223363
Transaction Type	Transfer
Record Updated	Apr 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9786 COUNTY ROAD 18, CENTRE, AL 35960-3587

Mortgage

Document Number	0000223364
Date	Mar 21, 2022
Instrument	223364

Lender

Name	LOANDEPOT COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 9786 Co Rd 18 was $1,215 with a homeowner's exemption, 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	$1,215.00 (+7.24%)
2025	$1,133.00 (+5.1%) Homeowner's exemption	$4,560 (+4.11%) Land $2,580 Building $1,980	$357,400 (+6.34%) Land $101,500 Building $255,900
2024	$1,078.00 Additional exemption filed	$4,380 (-83.71%) Land $2,500 Building $1,880	$336,100 (+24.99%) Land $92,300 Building $243,800
2023	$1,078.00 (-1.82%) Homeowner's exemption	$26,880 (+513.7%)	$268,899 (-21.17%) Land $25,099 Building $243,800
2022	$1,098.00 Homeowner's exemption	$4,380 Land $2,460 Building $1,920	$341,100 Land $92,300 Building $248,800

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.

Flood

FEMA maps place 9786 Co Rd 18 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 9786 Co Rd 18 is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 92% of Alabama
Wildfire Likelihood	0.3% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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