1275 Co Rd 642, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1275 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1999
Lot Size	0.897 acres (39,059 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Oct 2025)
Tax Bill	$1,202 (2026)
Deeds & Mortgages	Nov 2017 Mortgage May 2020 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-25-0-000-272.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-25-0-000-272.000`
Alternative APNs	`ALT APN:1007250000272000` `7916`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	864 sqft
Upper Floors Area	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	39,059 sqft (0.897 acres)

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	7916
Street Address	1275 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 FIRST ADDITION DESOTO WEISS ESTATES PARADISE POINTPB 10 PG 31
Legal Range	10E
Legal Township	09S
Legal Section	25
Legal Subdivision	DESOTO WEISS ESTATES
Legal Lot Number	16
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2025
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	868 GARRISON TRL, CANTON, GA 30115-6052
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage ADVANCE MORTGAGE & INVESTMENT CO LLC
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 9, 2011	Deed of Trust, Mortgage UNITED COMMUNITY MORTGAGE SERVICES, INC.
Feb 12, 2007	Deed of Trust, Mortgage UNITED COMMUNITY MORTGAGE SERVICES, INC.
	Deed of Trust, Mortgage
Jan 12, 2007	Deed of Trust, Mortgage UNITED COMMUNITY MORTGAGE SERVICES, INC.
May 31, 2011	Deed of Trust, Mortgage UNITED COMMUNITY BANK
May 5, 2014	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
May 12, 2008	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Deed Document Number	2025241057
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200518
Date	Nov 22, 2017
Instrument	200518

Lender

Name	ADVANCE MORTGAGE & INVESTMENT CO LLC
Type	Non-Lending Institution
Address	DAPHNE, AL 36527

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212002
Date	May 8, 2020
Instrument	212002

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220064
Date	Aug 27, 2021
Instrument	220064

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231417
Date	Nov 13, 2023
Instrument	231417

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000170753
Date	Sep 9, 2011
Instrument	170753

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES, INC.
Address	PO BOX 670, BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	304 Months
Due	Jan 1, 2037

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145464
Date	Feb 12, 2007
Instrument	145464

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES, INC.
Address	PO BOX 670, BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2037

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 STONERS RD NW, ADAIRSVILLE, GA 30103-5823

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145464
Date	Jan 12, 2007
Instrument	145464

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES, INC.
Address	PO BOX 670, BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2037

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 STONERS RD NW, ADAIRSVILLE, GA 30103-5823

Mortgage

Document Number	0000169415
Date	May 31, 2011
Instrument	169415

Lender

Name	UNITED COMMUNITY BANK
Address	PO BOX 405, ADAIRSVILLE, GA 30103

Agreement

Term	35 Months
Due	Apr 10, 2014

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151

Mortgage

Document Number	0000183747
Date	May 5, 2014
Instrument	0183747

Lender

Name	UNITED COMMUNITY BANK
Address	ADAIRSVILLE, GA 30103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 18, 2034

Interest

Rate Type	Adjustable Rate

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 STONERS RD NW, ADAIRSVILLE, GA 30103-5823

Mortgage

Document Number	0000154044
Date	May 12, 2008
Instrument	154044

Lender

Name	UNITED COMMUNITY BANK
Type	Seller
Address	PO BOX 405, ADAIRSVILLE, GA 30103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	34 Months
Due	Mar 11, 2011

Interest

Rate Type	Adjustable Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 31, 2025
Property Address	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151
Document Number	0000241057
Map Reference	MB 10 PG 31
Instrument Date	Oct 31, 2025
Instrument	241057
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	1275 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2151

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	868 GARRISON TRL, CANTON, GA 30115-6052

Mortgage

Document Number	0000241058
Date	Oct 31, 2025
Instrument	241058

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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	$1,202.00 (+24.56%)
2025	$965.00 (+0.84%)	$25,240 (+53.16%) Land $14,000 Building $11,240	$279,600 (+0.9%) Land $140,000 Building $139,600
2024	$957.00 Additional exemption filed	$16,480 (-40.59%) Land $13,760 Building $2,720	$277,100 (-0.04%) Land $137,500 Building $139,600
2023	$957.00 Additional exemption filed	$27,740 (+68.12%)	$277,200 (-0.04%) Land $137,500 Building $139,700
2022	$957.00 Additional exemption filed	$16,500 Land $13,760 Building $2,740	$277,300 Land $137,500 Building $139,800

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

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
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	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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