980 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 980 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	840 sqft · built 1960
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Dec 2024)
Tax Bill	$931 (2026)
Deeds & Mortgages	Jun 2021 Mortgage May 2018 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-08-28-0-000-080.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-28-0-000-080.000`
Alternative APNs	`ALT APN:1308280000080000` `205787`

Interior

Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	205787
Street Address	980 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-8209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 50' OF LOT 8 AND N 50' OF LOT 7 OF COWAN CREEK S/D,PB 5/24
Legal Range	10E
Legal Township	10S
Legal Section	28
Legal Subdivision	COWAN CREEK SUB REVISION
Legal Lot Number	7-8
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3011
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	980 COUNTY ROAD 40, CENTRE, AL 35960-8209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 8, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage QUICKEN LOANS INC
Feb 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 19, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2024 · Amount on Record
Deed Sale	Dec 19, 2024 · Amount on Record
Prior Sale	Dec 19, 2024 · Amount on Record
Deed Document Number	2024236846
Prior Transfer Date	Dec 13, 2024
Prior Transfer Doc	0000236845
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	980 COUNTY ROAD 40, CENTRE, AL 35960-8209
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218807
Date	Jun 16, 2021
Instrument	218807

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	980 COUNTY ROAD 40, CENTRE, AL 35960-8209
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202477
Date	May 8, 2018
Instrument	202477

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	980 COUNTY ROAD 40, CENTRE, AL 35960-8209
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227861
Date	Feb 1, 2023
Instrument	227861

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Dec 19, 2024
Property Address	980 COUNTY ROAD 40, CENTRE, AL 35960-8209
Document Number	0000236846
Map Reference	MB 5 PG 24
Instrument Date	Dec 19, 2024
Instrument	236846
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 LAKEVIEW DR, CEDARTOWN, GA 30125-2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 COUNTY ROAD 40, CENTRE, AL 35960-8221

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	$931.00 (-40.09%)
2025	$1,554.00 (+7.02%)	$28,380 (+9.58%) Land $25,000 Building $3,380	$186,400 (+7.81%) Land $126,000 Building $60,400
2024	$1,452.00	$25,900 (-25.1%) Land $22,500 Building $3,400	$172,900 (-) Land $112,500 Building $60,400
2023	$1,452.00	$34,580 (+33.51%)	$172,900 (-) Land $112,500 Building $60,400
2022	$1,452.00	$25,900 Land $22,500 Building $3,400	$172,900 Land $112,500 Building $60,400

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

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 100 ft
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

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

Wildfire Risk	Moderate above 51% of the US · above 61% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHEROKEE COUNTY WATER & SEWER AUTHORITY serves 11,013 people · EPA ID AL0000189
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: Verizon.

Cell Coverage

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

Nearby Properties on Co Rd 40

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