2890 Armstrong Rd, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 2890 Armstrong Rd, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2,326 sqft · built 1974
Lot Size	4.34 acres (189,050 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2017)
Deeds & Mortgages	Jun 2019 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-10-09-30-0-000-011.001`

Property Details

APN / Parcel Number

Primary APN	`13-10-09-30-0-000-011.001`
Alternative APNs	`ALT APN:1009300000011001` `31615`

Interior

Stories	2 Stories
Building Area	2,326 sqft Living Area
Upper Floors Area	1,085 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	189,050 sqft (4.34 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	470 sqft
Deck Area	372 sqft

Location & Zoning

Account Number	31615
Street Address	2890 ARMSTRONG RD
City	CEDAR BLUFF
State	AL
Zip	35959-5515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT INT OF N LINE HWY 132 & E LN OF SEC, SW ALG R/W 690'TO POB, NE 100',SW 658',S395', E 190',NE 675' TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1027
Census Tract	955701

Owner

2890 Armstrong Rd is owned and occupied by an individual who bought it in June 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 6, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on File
Deed Sale	Jun 6, 2017 · Amount on File
Deed Document Number	198210
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207749
Date	Jun 12, 2019
Instrument	207749

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221727
Date	Dec 8, 2021
Instrument	221727

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217390
Date	Mar 29, 2021
Instrument	217390

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 6, 2017
Property Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515
Document Number	0000198210
Instrument Date	Jun 1, 2017
Instrument	198210
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2890 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5515

Mortgage

Document Number	0000198211
Date	Jun 6, 2017
Instrument	198211

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	Additional exemption filed	$16,380 Land $16,060 Building $320	$358,600 Land $160,500 Building $198,100
2023	Additional exemption filed	$34,820	$348,100 Land $150,000 Building $198,100

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 2890 Armstrong Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2890 Armstrong Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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