1020 Co Rd 92, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1020 Co Rd 92, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	900 sqft · built 2013
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on Record
Tax Bill	$386 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-08-27-0-000-041.008`

Property Details

APN / Parcel Number

Primary APN	`13-10-08-27-0-000-041.008`
Alternative APNs	`ALT APN:1008270000041008` `26938`

Interior

Stories	1 Story
Building Area	900 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	140,263 sqft (3.22 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	26938
Street Address	1020 COUNTY ROAD 92
City	CEDAR BLUFF
State	AL
Zip	35959-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR OF LOT 10 OF CORNWALL SUB #3 PB7/19;E534X;S211S;SW369S;NW446S TO POB.
Legal Range	10E
Legal Township	09S
Legal Section	27
Legal Subdivision	CORNWALL
Legal Lot Number	10
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2003
Census Tract	955701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1020 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 6, 2025
Property Address	1020 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2254
Document Number	0000240717
Instrument Date	Oct 1, 2025
Instrument	240717
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2254

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1020 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2254

Mortgage

Document Number	0000240718
Date	Oct 6, 2025
Instrument	240718

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Oct 1, 2056

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	$386.00 (+8.12%)
2025	$357.00 (+2.29%) Homeowner's exemption	$8,160 (+2.51%) Land $1,560 Building $6,600	$97,500 (+1.99%) Land $15,500 Building $82,000
2024	$349.00 Additional exemption filed	$7,960 (-16.91%) Land $1,360 Building $6,600	$95,600 (-) Land $13,600 Building $82,000
2023	$349.00 Homeowner's exemption	$9,580 (+221.48%)	$95,600 (-) Land $13,600 Building $82,000
2022	$349.00 Homeowner's exemption	$2,980 Land $1,360 Building $1,620	$95,600 Land $13,600 Building $82,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, 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	Moderate above 68% of the US · above 90% 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.

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

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 92

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