3085 Co Rd 137, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3085 Co Rd 137, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,040 sqft · built 1986
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,000 (Mar 2026)
Tax Bill	$784 (2026)
Deeds & Mortgages	Nov 2024 Line of Credit Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-01-12-0-000-003.015`

Property Details

APN / Parcel Number

Primary APN	`13-09-01-12-0-000-003.015`
Alternative APNs	`ALT APN:0901120000003015` `209363`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	1,536 sqft
Upper Floors Area	504 sqft
Basement Area	720 sqft
Finished Basement	720 sqft
Unfinished Basement	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	91,476 sqft (2.1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	294 sqft
Deck Area	100 sqft
Utility Building	60 sqft

Location & Zoning

Account Number	209363
Street Address	3085 COUNTY ROAD 137
City	CEDAR BLUFF
State	AL
Zip	35959-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG INT WLY RW CO RD 137 & N/LN S/2 SE/4 NW/4;W 284.4';S248.5';SE 298'TO RW CO RD 137;N 368.5'TO POB
Legal Range	09E
Legal Township	09S
Legal Section	12
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3067
Census Tract	955702

Owner

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

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	2 Individual Names on Record
Mailing Address	410 LEATH DR NE, FORT PAYNE, AL 35967-3922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 28, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Prior Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2026242971
Prior Transfer Date	Oct 1, 2025
Prior Transfer Doc	0000242971
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3085 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3636
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236458
Date	Nov 19, 2024
Instrument	236458

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 25, 2054

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 28, 2020
Property Address	3085 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3636
Document Number	0000211216
Map Reference	BK A141 PG 474
Instrument Date	Feb 28, 2020
Instrument	211216
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	SOURCE OF TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3085 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3636

Mortgage

Document Number	0000211217
Date	Feb 28, 2020
Instrument	211217

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

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	$784.00 (+7.54%)
2025	$729.00 (+0.69%) Homeowner's exemption	$18,460 (+0.65%) Land $1,020 Building $17,440	$186,200 (+0.7%) Land $10,200 Building $176,000
2024	$724.00 (-2.43%) Additional exemption filed	$18,340 (-3.17%) Land $900 Building $17,440	$184,900 (-2.22%) Land $8,900 Building $176,000
2023	$742.00 Homeowner's exemption	$18,940 (+1,653.7%)	$189,100 (-) Land $8,900 Building $180,200
2022	$742.00 Homeowner's exemption	$1,080 Land $900 Building $180	$189,100 Land $8,900 Building $180,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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 60% of the US · above 78% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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