1280 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1280 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,700 sqft · built 1982
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jun 2024)
Tax Bill	$1,388 (2026)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Sep 2020 Sale
Flood Zone	Zone X (moderate risk)
APN	`13-10-07-35-0-000-006.039`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-35-0-000-006.039`
Alternative APNs	`ALT APN:1007350000006039` `210576` `219786`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,700 sqft
Flooring	Laminate Plank
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	230 sqft
Utility Building	132 sqft

Location & Zoning

Account Number	219786
Street Address	1280 COUNTY ROAD 131
City	CEDAR BLUFF
State	AL
Zip	35959-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG INT E/LN NW/4 NE/4 & S R/W CINDY DR;W 146';S 481.4'TO CLWEISS LAKE;SE 100';N 514' TO POB
Legal Range	10E
Legal Township	09S
Legal Section	35
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2038
Census Tract	955701

Owner

1280 Co Rd 131 is owned and occupied by two individuals who bought it in June 2024.

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	2 Individual Names on File
Mailing Address	1280 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2024	Warranty Deed, Transfer · VA Mortgage USAA FSB
Sep 25, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Deed Document Number	2024234048
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 4, 2024
Property Address	1280 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2109
Document Number	0000234048
Instrument Date	Jun 3, 2024
Instrument	234048
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	4025 HIRAM LITHIA SPRINGS RD, POWDER SPRINGS, GA 30127-3930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1280 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2109

Mortgage

Document Number	0000234049
Date	Jun 4, 2024
Instrument	234049

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 25, 2020
Property Address	1280 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2109
Document Number	0000214399
Map Reference	BK A318 PG 228
Instrument Date	Sep 22, 2020
Instrument	214399
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 HIRAM LITHIA SPRINGS RD, POWDER SPRINGS, GA 30127-3930
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1280 Co Rd 131 was $1,388 with a homeowner's exemption, up 7.3% from the year before.

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Municipality	Cedar Bluff Town
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,388.00 (+7.26%)
2025	$1,294.00 (+20.48%) Homeowner's exemption	$10,580 (-52.81%) Land $8,400 Building $2,180	$286,800 (+25.57%) Land $84,000 Building $202,800
2024	$1,074.00	$22,420 (-1.92%) Land $7,500 Building $14,920	$228,400 (-) Land $75,000 Building $153,400
2023	$1,074.00	$22,860 (+187.91%)	$228,400 (-) Land $75,000 Building $153,400
2022	$1,074.00	$7,940 Land $7,500 Building $440	$228,400 Land $75,000 Building $153,400

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 1280 Co Rd 131 in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 1280 Co Rd 131 is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 63% of Alabama
Wildfire Likelihood	0.1% 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: AT&T.

Cell Coverage

4G LTE only, no 5G reported

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