280 Co Rd 43, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 280 Co Rd 43, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,072 sqft · built 1997
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$3,000 (Mar 2024)
Tax Bill	$477 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-08-06-14-0-000-007.010`

Property Details

APN / Parcel Number

Primary APN	`13-08-06-14-0-000-007.010`
Alternative APNs	`ALT APN:0806140000007010` `219245` `215567` `27129`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,072 sqft Living Area
1st Floor Area	1,072 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	64 sqft

Location & Zoning

Account Number	219245
Street Address	280 COUNTY ROAD 43
City	CEDAR BLUFF
State	AL
Zip	35959-4721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N/2 LOT 7, STIMPSON LAND PB 10/13
Legal Range	08E
Legal Township	09S
Legal Section	14
Legal Subdivision	STIMPSON LAND
Legal Tract	7
Legal Lot Number	7
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	1
Census Block	1017
Census Tract	955802

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	Individual Name on Record
Mailing Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 18, 2024	Warranty Deed, Transfer
Jul 21, 2022	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 5, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2024 · Amount on Record
Deed Sale	Mar 18, 2024 · Amount on Record
Prior Sale	Nov 5, 2021 · Amount on Record
Deed Document Number	2024232871
Prior Transfer Date	Dec 31, 2007
Prior Transfer Doc	151987
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721

Mortgage

Document Number	0000242276
Date	Feb 2, 2026
Instrument	242276

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 18, 2024
Property Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721
Document Number	0000232871
Map Reference	MB 10 PG 13
Instrument Date	Mar 15, 2024
Instrument	232871
Transaction Type	Transfer
Record Updated	Apr 3, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 21, 2022
Property Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721
Document Number	0000225391
Map Reference	PB 10 PG 13
Instrument Date	Jul 20, 2022
Instrument	225391
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
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	440 RAY ST, 440, CENTRE, AL 35960-2472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721

Mortgage

Document Number	0000225392
Date	Jul 21, 2022
Instrument	225392

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 5, 2021
Property Address	280 COUNTY ROAD 43, CEDAR BLUFF, AL 35959-4721
Document Number	221264
Map Reference	PB 10 PG 13
Instrument Date	Nov 3, 2021
Instrument	221264
Transaction Type	Transfer
Record Updated	Dec 1, 2021

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
Address	440 RAY ST, CENTRE, AL 35960-2472
Investor	Possibly a Property Investor

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	$477.00 (-40.97%)
2025	$808.00 (+1.64%)	$18,220 (+1.79%) Land $1,320 Building $16,900	$96,300 (+1.69%) Land $6,600 Building $89,700
2024	$795.00	$17,900 (-5.49%) Land $1,160 Building $16,740	$94,700 (-) Land $5,800 Building $88,900
2023	$795.00 (+146.13%) Homeowner's exemption	$18,940 (+111.38%)	$94,700 (+5.81%) Land $5,800 Building $88,900
2022	$323.00 Homeowner's exemption	$8,960 Land $580 Building $8,380	$89,500 Land $5,800 Building $83,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 59% of the US · above 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 43

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