1845 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 1845 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,890 sqft · built 1999
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,418 (2026)
Deeds & Mortgages	Jun 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-35-0-000-002.020`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-35-0-000-002.020`
Alternative APNs	`ALT APN:1007350000002020` `7361`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	1,260 sqft
Upper Floors Area	630 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,776 sqft (1.51 acres)

Exterior Amenities

Porch	Slab
Porch Area	420 sqft
Deck Area	400 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	7361
Street Address	1845 COUNTY ROAD 131
City	CEDAR BLUFF
State	AL
Zip	35959-2132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, DIVISION OF TR D, SUMMER CREST SD, PB 10 PG 35
Legal Range	10E
Legal Township	09S
Legal Section	35
Legal Subdivision	SUMMER CREST SD
Legal Tract	D
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2028
Census Tract	955701

Owner

1845 Co Rd 131, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	269 BOYD RD SW, ROME, GA 30161-4255
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	2 Names on Deed
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1845 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2132
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000234218
Date	Jun 17, 2024
Instrument	234218

Lender

Name	RIVER CITY BANK
Type	Bank
Address	ROME, GA 30165

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 20, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1845 Co Rd 131 was $1,418, 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	$1,418.00 (+6.94%)
2025	$1,326.00 (+4%)	$26,420 (+4.26%) Land $10,080 Building $16,340	$282,100 (+3.98%) Land $100,800 Building $181,300
2024	$1,275.00	$25,340 (-6.63%) Land $9,000 Building $16,340	$271,300 (-) Land $90,000 Building $181,300
2023	$1,275.00	$27,140 (+151.3%)	$271,300 (-) Land $90,000 Building $181,300
2022	$1,275.00	$10,800 Land $9,000 Building $1,800	$271,300 Land $90,000 Building $181,300

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

Flood

FEMA maps place 1845 Co Rd 131 in Zone X, an area of minimal flood risk, within 500 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 500 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 1845 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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