1405 Co Rd 642, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1405 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,559 sqft · built 1993
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$237,800 (Jul 2021)
Tax Bill	$1,485 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-10-07-25-0-000-268.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-25-0-000-268.000`
Alternative APNs	`ALT APN:1007250000268000` `212590`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,559 sqft Living Area
1st Floor Area	1,361 sqft
Upper Floors Area	198 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Metal
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	486 sqft
Deck Area	45 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	212590
Street Address	1405 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 FIRST ADDITION DSOTO WEISS ESTATES PARADISE POINT,PB 10 PG 31
Legal Range	10E
Legal Township	09S
Legal Section	25
Legal Subdivision	FIRST ADDITION
Legal Lot Number	12
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2026
Census Tract	955701

Owner

1405 Co Rd 642 is owned by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	312 E FERNHILL LN, OAK RIDGE, TN 37830-5519
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, 2021	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	May 29, 2019 · Amount on File
Deed Document Number	2021219074
Prior Transfer Date	Apr 19, 2021
Prior Transfer Doc	0000219074
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 2, 2021
Property Address	1405 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2149
Document Number	0000219074
Instrument Date	Apr 19, 2021
Instrument	219074
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	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	980 LANDERS RD, JACKSONVILLE, AL 36265-6696

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 E FERNHILL LN, OAK RIDGE, TN 37830-5519

Mortgage

Document Number	0000219396
Date	Jul 21, 2021
Instrument	219396

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 29, 2019
Property Address	1405 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2149
Document Number	0000207589
Map Reference	PB 10 PG 31
Instrument Date	May 28, 2019
Instrument	207589
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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 EDWARDS DR NE, DALTON, GA 30721-8546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 LANDERS RD, JACKSONVILLE, AL 36265-6696

Mortgage

Document Number	0000207591
Date	May 29, 2019
Instrument	207591

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1405 Co Rd 642 was $1,485, up 7% 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	$1,485.00 (+6.99%)
2025	$1,388.00 (+5.39%)	$17,560 (+9.34%) Land $14,000 Building $3,560	$295,400 (+5.35%) Land $140,000 Building $155,400
2024	$1,317.00 (-50.02%)	$16,060 (-71.36%) Land $12,500 Building $3,560	$280,400 (-) Land $125,000 Building $155,400
2023	$2,635.00	$56,080 (+74.6%)	$280,400 (-) Land $125,000 Building $155,400
2022	$2,635.00	$32,120 Land $25,000 Building $7,120	$280,400 Land $125,000 Building $155,400

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 1405 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 1405 Co Rd 642 is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 99% of Alabama
Wildfire Likelihood	0.02% 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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