1745 Co Rd 92, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1745 Co Rd 92, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,578 sqft · built 1995
Lot Size	2.65 acres (115,434 sqft)
Owner	2 Individual Names on Record
Tax Bill	$771 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13-10-05-22-0-000-022.001`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-22-0-000-022.001`
Alternative APNs	`ALT APN:1005220000022001` `7545`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,362 sqft
Upper Floors Area	216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	115,434 sqft (2.65 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	392 sqft
Utility Building	66 sqft

Location & Zoning

Account Number	7545
Street Address	1745 COUNTY ROAD 92
City	CEDAR BLUFF
State	AL
Zip	35959-2260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM SW COR SE/4 SE/4; W300D 350S TO POB; N505.58; E300; S370D 490S; SW32; W270.61 TO POB
Legal Range	10E
Legal Township	09S
Legal Section	22
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1008
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	1745 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2260
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1745 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2260
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221129
Date	Oct 28, 2021
Instrument	221129

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

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	$771.00 (+7.53%)
2025	$717.00 (+5.91%) Homeowner's exemption	$2,080 (-88.05%) Land $1,300 Building $780	$183,300 (+5.41%) Land $13,000 Building $170,300
2024	$677.00 Additional exemption filed	$17,400 (-) Land $1,140 Building $16,260	$173,900 (-) Land $11,400 Building $162,500
2023	$677.00 Homeowner's exemption	$17,400 (-)	$173,900 (-) Land $11,400 Building $162,500
2022	$677.00 Homeowner's exemption	$17,400 Land $1,140 Building $16,260	$173,900 Land $11,400 Building $162,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · other causes

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 86% of Alabama
Wildfire Likelihood	0.2% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE only, no 5G reported

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