1505 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1505 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,143 sqft · built 1983
Lot Size	0.919 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$359,000 (Sep 2022)
Tax Bill	$158 (2023)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-35-0-000-001.002`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-35-0-000-001.002`
Alternative APNs	`ALT APN:1007350000001002` `212748` `216561`

Interior

Stories	1 Story
Building Area	1,143 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	40,075 sqft (0.919 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	64 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	216561
Street Address	1505 COUNTY ROAD 131
City	CEDAR BLUFF
State	AL
Zip	35959-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL THAT PART OF LOT 1, BLOCK A MEADOWS ESTATES S/D, PB 8/29
Legal Subdivision	MEADOWS ESTATES
Legal Block	A
Legal Lot Number	1
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2034
Census Tract	955701

Owner

1505 Co Rd 131 is owned and occupied by an individual who acquired it in December 2022.

Source: Cherokee County records, as of November 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
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
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Dec 9, 2022	Intrafamily Transfer, Transfer
Sep 30, 2022	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Jul 23, 2021	Survivorship Deed, Transfer
Jan 2, 2019	Survivorship Deed, Transfer · Conventional Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Sep 30, 2022 · Amount on File
Deed Document Number	0000226459
Last Transfer Date	Dec 9, 2022
Transfer Doc	0000227269
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215191
Date	Nov 12, 2020
Instrument	215191

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Dec 9, 2022
Property Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000227269
Map Reference	PB 8 PG 29
Instrument Date	Dec 9, 2022
Instrument	227269
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 30, 2022
Property Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000226459
Map Reference	PB 8 PG 9
Instrument Date	Sep 30, 2022
Instrument	226459
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	1690 MANHASSET PL, DUNWOODY, GA 30338-3500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5058 MARSH CREEK CT, BRASELTON, GA 30517-1232

Mortgage

Document Number	0000226460
Date	Sep 30, 2022
Instrument	226460

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

July 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 23, 2021
Property Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000219438
Instrument Date	Jul 23, 2021
Instrument	219438
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	1690 MANHASSET PL, ATLANTA, GA 30338-3500
Investor	Possibly a Property Investor

January 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 2, 2019
Property Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000205760
Map Reference	PB 8 PG 29
Instrument Date	Dec 21, 2018
Instrument	205760
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129

Mortgage

Document Number	0000205761
Date	Jan 2, 2019
Instrument	205761

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	Additional exemption filed	$3,880 Land $1,860 Building $2,020	$146,000 Land $18,500 Building $127,500
2023	$158.00	$3,380	$16,900 Land $16,500 Building $400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1505 Co Rd 131 in Zone X, an area of minimal 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 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 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 1505 Co Rd 131 is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 46% of Alabama
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

4G LTE only, no 5G reported

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