Colbert County property record for 1245 5th St, Cherokee, AL 35616
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,197 sqft · built 1982 |
| Lot Size | 0.551 acres (24,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $77,000 (Aug 2019) |
| Tax Bill | $659 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-07-35-1-002-027.000 |
| Primary APN | 05-07-35-1-002-027.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,197 sqft Adjusted Area |
| Gross Area | 1,121 sqft |
| 1st Floor Area | 1,121 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 24,002 sqft (0.551 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 37926 |
|---|---|
| Street Address | 1245 5TH ST |
| City | CHEROKEE |
| State | AL |
| Zip | 35616-7105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLK 2 RUTLAND ESTATES 160 X 150 IRR /DB 2019 PG 23285-23286 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | RUTLAND ESTATES /4-77 |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | COLBERT AL |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21000 |
1245 5th St is owned and occupied by two individuals who bought it in August 2019.
Source: Colbert County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1245 5TH ST, CHEROKEE, AL 35616-7105 |
| 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.
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK FSB |
| Aug 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK INDEPENDENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on File |
| Deed Sale | Aug 20, 2019 · Amount on File |
| Deed Document Number | 201923285 |
| Deed Book / Page | 2019 / 23285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLBERT AL |
| Property Address | 1245 5TH ST, CHEROKEE, AL 35616-7105 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020/45856 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 2020/45856 |
| Instrument | 202045856 |
| Name | FIRST FEDERAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 252 Months |
| Due | Jan 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLBERT AL |
| Recording Date | Aug 20, 2019 |
| Property Address | 1245 5TH ST, CHEROKEE, AL 35616-7105 |
| Document Number | 2019/23285 |
| Book / Page | 2019 / 23285 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 201923285 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 208 PARK AVE, MUSCLE SHOALS, AL 35661-1656 |
| Name | Verified Name |
|---|---|
| Address | 1245 5TH ST, CHEROKEE, AL 35616-7105 |
| Investor | Possibly a Property Investor |
| Document Number | 2019/23303 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 2019/23303 |
| Instrument | 201923303 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1245 5th St was $659, up 67.7% from the year before.
Source: Colbert County assessment roll, as of December 11, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Colbert County |
| Municipality | Cherokee Town |
| Unified School District | Colbert County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $659.00 (+67.68%) | ||
| 2025 | $393.00 (+4.52%) | $9,800 (+4.93%) Land $500 Building $9,300 | $97,900 (+5.04%) Land $4,900 Building $93,000 |
| 2024 | $376.00 (+5.03%) | $9,340 (+4.94%) Land $420 Building $8,920 | $93,200 (+4.84%) Land $4,100 Building $89,100 |
| 2023 | $358.00 (+7.19%) | $8,900 (+9.61%) | $88,900 (+9.75%) Land $3,700 Building $85,200 |
| 2022 | $334.00 | $8,120 | $81,000 Land $3,500 Building $77,500 |
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.
FEMA maps place 1245 5th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective June 28, 2019 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Feb 2024 · 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 risk around 1245 5th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHEROKEE WATER & GAS DEPARTMENT serves 1,992 people · EPA ID AL0000311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TEC Fiber | 1,000 / 1,000 |
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