2685 Co Rd 92, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 2685 Co Rd 92, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	3,750 sqft · built 1989
Lot Size	1.17 acres (51,401 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,348 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-06-23-0-000-002.014`

Property Details

APN / Parcel Number

Primary APN	`13-10-06-23-0-000-002.014`
Alternative APNs	`ALT APN:1006230000002014` `18905`

Interior

Stories	2 Stories
Building Area	3,750 sqft Living Area
Upper Floors Area	1,565 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	51,401 sqft (1.17 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	320 sqft
Deck Area	164 sqft
Utility Building	192 sqft

Location & Zoning

Account Number	18905
Street Address	2685 COUNTY ROAD 92
City	CEDAR BLUFF
State	AL
Zip	35959-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE CR SE/4 NW/4;S 267.9'TO NW RW CO RD 92;SW 298.03'ALGRW TO POB;SW 233.52'ALG RW;NW 255.75';NE 208.18';S 242.39'PB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1002
Census Tract	955701

Owner

Source: Cherokee County records, as of November 26, 2025

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	2685 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jun 22, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	2685 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2275
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198448
Date	Jun 22, 2017
Instrument	198448

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	2685 COUNTY ROAD 92, CEDAR BLUFF, AL 35959-2275
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198443
Date	Jun 22, 2017
Instrument	198443

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	$1,348.00 (+0.37%) Homeowner's exemption	$33,360 (+0.36%) Land $900 Building $32,460	$333,500 (+0.33%) Land $8,900 Building $324,600
2024	$1,343.00 Additional exemption filed	$33,240 (-) Land $780 Building $32,460	$332,400 (-) Land $7,800 Building $324,600
2023	$1,343.00 Homeowner's exemption	$33,240 (-)	$332,400 (-) Land $7,800 Building $324,600
2022	$1,343.00 Homeowner's exemption	$33,240 Land $780 Building $32,460	$332,400 Land $7,800 Building $324,600

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 minimal risk
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 66% of the US · above 87% 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.

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	10 / 1

May also be available: AT&T.

Cell Coverage

4G LTE only, no 5G reported

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