1554 Cedar Bend Rd N, Southside (Gadsden), AL 35907 Property Records

Etowah County property record for 1554 Cedar Bend Rd N, Southside, AL 35907

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,630 sqft · built 1976
Lot Size	0.54 acres (23,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Jul 2019)
Tax Bill	$843 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-03-07-0-001-013.007`

Property Details

APN / Parcel Number

Primary APN	`21-03-07-0-001-013.007`
Alternative APNs	`239439` `60675`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
1st Floor Area	1,630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	23,550 sqft (0.54 acres)
Lot Dimensions	157 ft deep x 150 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	239439
Street Address	1554 CEDAR BEND RD N
City	GADSDEN
State	AL
Zip	35907-7059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H/S BASE YEAR LT 10 WESTERN HILLS 1ST ADD PART A PLAT I-89 SOUTHSIDE 7-13-6 1256-233,1982-197,2002-318,D-2017-3445551(ROS), D-2019-3487294(ROS)
Legal Range	6E
Legal Township	13S
Legal Section	7
Legal Subdivision	WESTERN HILLS 1ST ADD PART A
Legal Lot Number	10
Jurisdiction	ETOWAH AL
Township / Civil Division	GADSDEN
Census Block Group	1
Census Block	1032
Census Tract	10504

Owner

Source: Etowah 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	1554 CEDAR BEND RD N, GADSDEN, AL 35907-7059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Deed of Trust, Mortgage · FHA Mortgage SILVERTON MTG
Jul 16, 2019	Warranty Deed, Transfer · FHA Mortgage SILVERTON MTG
Jan 20, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage FAMILY SAVINGS CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Document Number	20193487294
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ETOWAH AL
Property Address	1554 CEDAR BEND RD N, SOUTHSIDE, AL 35907-7059
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003487294
Date	Jul 16, 2019
Instrument	3487294

Lender

Name	SILVERTON MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jul 16, 2019
Property Address	1554 CEDAR BEND RD N, SOUTHSIDE, AL 35907-7059
Document Number	3487294
Instrument Date	Jul 12, 2019
Instrument	3487294
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1554 CEDAR BEND RD N, SOUTHSIDE, AL 35907-7059

Mortgage

Document Number	3487295
Date	Jul 16, 2019
Instrument	3487295

Lender

Name	SILVERTON MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0003487293
Date	Jul 16, 2019
Instrument	3487293

Lender

Name	SILVERTON MTG

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jan 20, 2017
Property Address	1554 CEDAR BEND RD N, SOUTHSIDE, AL 35907-7059
Document Number	3445551
Instrument Date	Jan 18, 2017
Instrument	3445551
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount Recorded
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	1595 WESTWOOD LN, 1595, SOUTHSIDE, AL 35907-7053

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1554 CEDAR BEND RD N, SOUTHSIDE, AL 35907-7059

Mortgage

Document Number	3445552
Date	Jan 20, 2017
Instrument	3445552

Lender

Name	FAMILY SAVINGS CREDIT UNION
Type	Non-Lending Institution
Address	RAINBOW CITY, AL 35906

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Etowah County
Municipality	Southside City
Unified School District	Etowah County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$843.00 (-10.79%) Homeowner's exemption
2025	$945.00 (-0.63%) Homeowner's exemption	$24,260 (-) Land $5,280 Building $18,980	$242,600 (-) Land $52,800 Building $189,800
2023	$951.00 (+18.73%) Homeowner's exemption	$24,260 (+17.82%) Land $5,280 Building $18,980	$242,600 (+17.82%) Land $52,800 Building $189,800
2022	$801.00 Homeowner's exemption	$20,590 Land $5,280 Building $15,310	$205,900 Land $52,800 Building $153,100

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 21, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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	0.03% 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	SOUTHSIDE WATER WORKS AND SEWER BOARD serves 12,327 people · EPA ID AL0000591
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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