1271 Co Rd 642, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1271 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,570 sqft · built 2004
Lot Size	1.62 acres (70,601 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jun 2018)
Tax Bill	$2,071 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-10-07-25-0-000-273.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-25-0-000-273.000`
Alternative APNs	`ALT APN:1007250000273000` `205632`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,570 sqft Living Area
1st Floor Area	1,512 sqft
Upper Floors Area	1,058 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	70,601 sqft (1.62 acres)

Exterior Amenities

Porch	Slab
Porch Area	768 sqft
Deck Area	96 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	205632
Street Address	1271 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 FIRST ADDITION DESOTO WEISS ESTATES PARADISE POINT,PB 10 PG 31
Legal Range	10E
Legal Township	09S
Legal Section	25
Legal Subdivision	DESOTO WEISS ESTATES
Legal Lot Number	17
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2025
Census Tract	955701

Owner

1271 Co Rd 642 is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMPASS BANK
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jun 5, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage REGIONS MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2018 · Amount on File
Deed Sale	Jun 5, 2018 · Amount on File
Deed Document Number	2018202873
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212818
Date	Jul 2, 2020
Instrument	212818

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207096
Date	Apr 23, 2019
Instrument	207096

Lender

Name	COMPASS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 10, 2044

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	212818
Date	Jul 2, 2020
Instrument	212818

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 5, 2018
Property Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Document Number	0000202873
Instrument Date	Jun 4, 2018
Instrument	202873
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1271 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151

Mortgage

Document Number	0000202874
Date	Jun 5, 2018
Instrument	202874

Lender

Name	REGIONS MORTGAGE
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1271 Co Rd 642 was $2,071 with a homeowner's exemption, up 7.2% 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	$2,071.00 (+7.19%)
2025	$1,932.00 (+4.38%) Homeowner's exemption	$45,660 (+4.44%) Land $18,200 Building $27,460	$472,800 (+4.3%) Land $182,000 Building $290,800
2024	$1,851.00 Additional exemption filed	$43,720 (-3.57%) Land $16,260 Building $27,460	$453,300 (-) Land $162,500 Building $290,800
2023	$1,851.00 Homeowner's exemption	$45,340 (+153.58%)	$453,300 (-) Land $162,500 Building $290,800
2022	$1,851.00 Homeowner's exemption	$17,880 Land $16,260 Building $1,620	$453,300 Land $162,500 Building $290,800

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

FEMA maps place 1271 Co Rd 642 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1271 Co Rd 642 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 81% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 53 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: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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