1785 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1785 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,034 sqft · built 1990
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$356,000 (Apr 2022)
Tax Bill	$1,832 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-36-0-000-077.019`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-36-0-000-077.019`
Alternative APNs	`ALT APN:1007360000077019` `214956` `8222`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,034 sqft Living Area
1st Floor Area	1,572 sqft
Upper Floors Area	462 sqft
Basement Area	1,484 sqft
Finished Basement	660 sqft
Unfinished Basement	824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,602 sqft (0.45 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	214956
Street Address	1785 COUNTY ROAD 131
City	CEDAR BLUFF
State	AL
Zip	35959-2156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 19 BLK A MEADOWS ESTATE SUBD PB 8 PG 29
Legal Range	10E
Legal Township	09S
Legal Section	36
Legal Subdivision	MEADOWS ESTATE
Legal Block	A
Legal Lot Number	19
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2021
Census Tract	955701

Owner

1785 Co Rd 131 is owned and occupied by an individual who bought it in April 2022.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1785 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2156
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Deed Document Number	2022223957
Record Updated	Oct 29, 2026

April 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 28, 2022
Property Address	1785 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2156
Document Number	0000223957
Map Reference	PB 8 PG 29
Instrument Date	Apr 21, 2022
Instrument	223957
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
Address	1785 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2156

Mortgage

Document Number	0000223958
Date	Apr 28, 2022
Instrument	223958

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1785 Co Rd 131 was $1,832, up 6.9% from the year before.

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	$1,832.00 (+6.95%)
2025	$1,713.00 (+5.42%)	$39,380 (+5.63%) Land $19,600 Building $19,780	$407,900 (+5.43%) Land $196,000 Building $211,900
2024	$1,625.00	$37,280 (-3.67%) Land $17,500 Building $19,780	$386,900 (-) Land $175,000 Building $211,900
2023	$1,625.00 (+35.87%) Additional exemption filed	$38,700 (+104.55%)	$386,900 (-) Land $175,000 Building $211,900
2022	$1,196.00 Additional exemption filed	$18,920 Land $17,500 Building $1,420	$386,900 Land $175,000 Building $211,900

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

FEMA maps place 1785 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 1785 Co Rd 131 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of Alabama
Wildfire Likelihood	0.04% 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 81 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

Nearby Properties on Co Rd 131

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