10 Co Rd 995, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 10 Co Rd 995, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,584 sqft · built 1997
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,258 (2026)
Deeds & Mortgages	Oct 2026 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-09-31-0-000-037.013`

Property Details

APN / Parcel Number

Primary APN	`13-11-09-31-0-000-037.013`
Alternative APNs	`ALT APN:1109310000037013` `27777`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,584 sqft Living Area
1st Floor Area	1,777 sqft
Upper Floors Area	807 sqft
Basement Area	1,777 sqft
Finished Basement	1,153 sqft
Unfinished Basement	624 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Porch	Slab
Porch Area	365 sqft
Deck Area	104 sqft

Location & Zoning

Account Number	27777
Street Address	10 COUNTY ROAD 995
City	CEDAR BLUFF
State	AL
Zip	35959-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 RIVER RIDGE ESTATES SUBD PB 9 PG 49
Legal Range	11E
Legal Township	09S
Legal Section	31
Legal Subdivision	RIVER RIDGE ESTATES
Legal Lot Number	12
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3045
Census Tract	955701

Owner

10 Co Rd 995 is owned and occupied by two individuals who acquired it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Oct 8, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Mar 27, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage HERITAGE FIRST BANK
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 16, 2014
Transfer Doc	183493
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Oct 8, 2026
Property Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Document Number	0000246201
Instrument Date	Sep 28, 2026
Instrument	2026246201
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453

Mortgage

Document Number	0000246201,
Date	Oct 8, 2026
Instrument	2026246201

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229133
Date	May 11, 2023
Instrument	229133

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197299
Date	Mar 27, 2017
Instrument	0197299

Lender

Name	HERITAGE FIRST BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	10 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217659
Date	Apr 16, 2021
Instrument	217659

Lender

Name	HERITAGE FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10 Co Rd 995 was $1,258 with a homeowner's exemption, up 7.3% 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	$1,258.00 (+7.34%)
2025	$1,172.00 (+3.17%) Homeowner's exemption	$27,800 (+3.35%) Land $8,400 Building $19,400	$291,800 (+3.07%) Land $84,000 Building $207,800
2024	$1,136.00 Additional exemption filed	$26,900 (-5.01%) Land $7,500 Building $19,400	$283,100 (-) Land $75,000 Building $208,100
2023	$1,136.00 Homeowner's exemption	$28,320 (+217.49%)	$283,100 (-) Land $75,000 Building $208,100
2022	$1,136.00 Homeowner's exemption	$8,920 Land $7,500 Building $1,420	$283,100 Land $75,000 Building $208,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Co Rd 995 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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	5 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.

Wildfire

Wildfire risk around 10 Co Rd 995 is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 72% of Alabama
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Water System	CEDAR BLUFF UTILITIES BOARD serves 4,281 people · EPA ID AL0000187
Water Source	Purchased surface water from NORTHEAST ALABAMA WATER SEWER AND FPD
Last State Inspection	Oct 2023
Lead	3 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5

May also be available: T-Mobile.

Cell Coverage

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

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