1035 Co Rd 509, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1035 Co Rd 509, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,051 sqft · built 1988
Lot Size	1.02 acres (44,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2025)
Tax Bill	$1,560 (2026)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-05-21-0-000-020.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-21-0-000-020.000`
Alternative APNs	`ALT APN:1005210000020000` `217979` `16765`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,051 sqft Living Area
1st Floor Area	1,872 sqft
Upper Floors Area	179 sqft
Basement Area	1,152 sqft
Finished Basement	1,152 sqft
Unfinished Basement	896 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick/Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,778 sqft (1.02 acres)

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Shed	1 Shed
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	217979
Street Address	1035 COUNTY ROAD 509
City	CEDAR BLUFF
State	AL
Zip	35959-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, CORNWALL SBD # 2 PB 7/20
Legal Range	10E
Legal Township	09S
Legal Section	21
Legal Subdivision	CORNWALL
Legal Lot Number	8
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1010
Census Tract	955701

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	1035 CO RD # 509, 509, CENTRE, AL 35960
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2025	Survivorship Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC
Aug 10, 2023	Warranty Deed, Transfer
Aug 10, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2025 · Amount on Record
Deed Sale	Mar 27, 2025 · Amount on Record
Prior Sale	Aug 10, 2023 · Amount on Record
Deed Document Number	2025238041
Prior Transfer Date	Dec 1, 2004
Prior Transfer Doc	0418000204
Record Updated	Oct 29, 2026

March 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 27, 2025
Property Address	1035 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3124
Document Number	0000238041
Map Reference	MB 7 PG 20
Instrument Date	Mar 27, 2025
Instrument	238041
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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 601, CENTRE, AL 35960-0601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1035 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3124

Mortgage

Document Number	0000238042
Date	Mar 27, 2025
Instrument	238042

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 10, 2023
Property Address	1035 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3124
Document Number	0000230300
Map Reference	MB 7 PG 20
Instrument Date	Aug 8, 2023
Instrument	230300
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7201 WILKINS CREEK CT, SPANISH FORT, AL 36527-9041

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 601, CENTRE, AL 35960-0601

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 10, 2023
Property Address	1035 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3124
Document Number	0000230300
Map Reference	MB 7 PG 20
Instrument Date	Aug 8, 2023
Instrument	230300
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7201 WILKINS CREEK CT, SPANISH FORT, AL 36527-9041

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 601, CENTRE, AL 35960-0601
Investor	Possibly a Property Investor

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	$1,560.00 (-12.61%)
2025	$1,785.00 (+2.18%)	$39,700 (+2.37%) Land $13,920 Building $25,780	$212,600 (+2.21%) Land $69,600 Building $143,000
2024	$1,747.00 (+69.94%)	$38,780 (+58.42%) Land $13,000 Building $25,780	$208,000 (-14.96%) Land $65,000 Building $143,000
2023	$1,028.00	$24,480 (+218.75%)	$244,600 (-) Land $65,000 Building $179,600
2022	$1,028.00	$7,680 Land $6,500 Building $1,180	$244,600 Land $65,000 Building $179,600

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · other causes

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 61% of the US · above 79% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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