1595 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1595 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2,712 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Oct 2020)
Tax Bill	$1,362 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-35-0-000-001.004`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-35-0-000-001.004`
Alternative APNs	`ALT APN:1007350000001004` `210634`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,712 sqft Living Area
1st Floor Area	2,309 sqft
Upper Floors Area	403 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	172 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	210634
Street Address	1595 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 6, BLK A, MEADOWS ESTATE S/D, PB 8/29
Legal Range	10E
Legal Township	09S
Legal Section	35
Legal Subdivision	MEADOWS ESTATE
Legal Block	A
Legal Lot Number	6
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2032
Census Tract	955701

Owner

Source: Cherokee 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	1595 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage FEDERAL HOUSING COMMISSIONER
Jul 31, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage REVERSEMORTGAGE.COM
Oct 5, 2020	Warranty Deed, Transfer
Feb 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Prior Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	2020214588
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1595 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	0000203673
Date	Jul 31, 2018
Instrument	203673

Lender

Name	FEDERAL HOUSING COMMISSIONER
Type	Non-Lending Institution
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1595 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	0000203672
Date	Jul 31, 2018
Instrument	203672

Lender

Name	REVERSEMORTGAGE.COM
Type	Non-Lending Institution
Address	COLUMBIA, MO 65203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 5, 2020
Property Address	1595 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000214588
Map Reference	DOC 201365
Instrument Date	Oct 5, 2020
Instrument	214588
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	142 KATY CIR, BIRMINGHAM, AL 35242-3175

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 8, 2018
Property Address	1595 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2129
Document Number	0000201365
Instrument Date	Jan 12, 2018
Instrument	201365
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 GASQUE DR, LA FAYETTE, GA 30728-3701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	441 LAKEVIEW DR, MOUNT JULIET, TN 37122-2215

Tax Assessment & Valuation

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	$1,362.00 (+8.01%)
2025	$1,261.00 (-10.69%)	$33,080 (-) Land $500 Building $32,580	$355,400 (-) Land $5,000 Building $350,400
2024	$1,412.00 Additional exemption filed	$33,080 (-6.92%) Land $500 Building $32,580	$355,400 (-) Land $5,000 Building $350,400
2023	$1,412.00 Additional exemption filed	$35,540 (+1,100.68%)	$355,400 (-) Land $5,000 Building $350,400
2022	$1,412.00 Additional exemption filed	$2,960 Land $500 Building $2,460	$355,400 Land $5,000 Building $350,400

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

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 500 ft
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 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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