1560 Co Rd 92, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1560 Co Rd 92, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,430 sqft · built 1981
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,500 (Nov 2023)
Tax Bill	$1,495 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-08-27-0-000-003.002`

Property Details

APN / Parcel Number

Primary APN	`13-10-08-27-0-000-003.002`
Alternative APNs	`ALT APN:1008270000003002` `218534` `217252` `31888`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	218534
Street Address	1560 COUNTY ROAD 92
City	CEDAR BLUFF
State	AL
Zip	35959-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT SLY R/W CO RD 92 & W LINE NW/4-NE/4, E 735' TO POB,SLY 420', ELY 210',NLY 420', WLY 210'TO POB
Legal Range	10E
Legal Township	09S
Legal Section	27
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2003
Census Tract	955701

Owner

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 Record
Mailing Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage REGIONS BANK
Feb 23, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage REGIONS BANK
Nov 7, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 12, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on Record
Deed Sale	Nov 7, 2023 · Amount on Record
Prior Sale	Apr 12, 2023 · Amount on Record
Deed Document Number	2023231371
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196864
Date	Feb 23, 2017
Instrument	0196864

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196863
Date	Feb 23, 2017
Instrument	0196863

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 7, 2023
Property Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258
Document Number	0000231371
Instrument Date	Nov 2, 2023
Instrument	231371
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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	104 TURNER LN, MUNFORD, AL 36268-4919

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258

Mortgage

Document Number	0000231372
Date	Nov 7, 2023
Instrument	231372

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Apr 12, 2023
Property Address	1560 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2258
Document Number	0000228794
Instrument Date	Apr 1, 2023
Instrument	228794
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	1065 CAMPBELL RD, CEDARTOWN, GA 30125-5521

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 250, MUNFORD, AL 36268-0250

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	$1,495.00 (+7.02%)
2025	$1,397.00 (+17.99%)	$7,760 (-67.99%) Land $1,960 Building $5,800	$166,400 (+18.01%) Land $9,800 Building $156,600
2024	$1,184.00 (+150.32%)	$24,240 (+40,3%) Land $1,720 Building $22,520	$141,000 (+46,9%) Land $8,600 Building $132,400
2023	$473.00 Additional exemption filed	$60 (-97.89%)	$300 (-99.79%) Building $300
2022	$473.00 Additional exemption filed	$2,840 Land $860 Building $1,980	$141,000 Land $8,600 Building $132,400

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

Flood

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
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	Moderate above 65% of the US · above 85% of Alabama
Wildfire Likelihood	0.3% 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 14 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

5G (outdoors only) and 4G LTE

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