3130 Co Rd 137, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3130 Co Rd 137, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,890 sqft · built 2000
Lot Size	1.3 acres (56,951 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 2022)
Tax Bill	$1,117 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`13-09-01-12-0-000-032.000`

Property Details

APN / Parcel Number

Primary APN	`13-09-01-12-0-000-032.000`
Alternative APNs	`ALT APN:0901120000032000` `203831` `215860`

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
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	56,951 sqft (1.3 acres)

Exterior Amenities

Porch	Patio
Porch Area	564 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	215860
Street Address	3130 COUNTY ROAD 137
City	CEDAR BLUFF
State	AL
Zip	35959-3654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 DRISKILL & SIZEMORE ESTATE 10/71
Legal Range	09E
Legal Township	09S
Legal Section	12
Legal Subdivision	DRISKILL & SIZEMORE ESTATE
Legal Lot Number	2
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3041
Census Tract	955702

Owner

3130 Co Rd 137 is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654
Occupancy	Owner Occupied
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

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG CORP
Jul 14, 2021	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT COM LLC
Jun 16, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Jul 14, 2021 · Amount on File
Deed Document Number	2022226022
Prior Transfer Date	Jun 21, 2021
Prior Transfer Doc	0000219239
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 2, 2022
Property Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654
Document Number	0000226022
Map Reference	PB 10 PG 71
Instrument Date	Aug 31, 2022
Instrument	226022
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount 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
Relationship	Joint Tenants with Right of Survivorship
Address	1624 COUNTY ROAD 32, COLLINSVILLE, AL 35961-3882

Mortgage

Document Number	0000226023
Date	Sep 2, 2022
Instrument	226023

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	VA Mortgage
Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 14, 2021
Property Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654
Document Number	0000219239
Map Reference	PB 10 PG 71
Instrument Date	Jun 21, 2021
Instrument	219239
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654

Mortgage

Document Number	0000219240
Date	Jul 14, 2021
Instrument	219240

Lender

Name	LOANDEPOT COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 16, 2017
Property Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654
Document Number	0000198360
Instrument Date	Jun 7, 2017
Instrument	198360
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 COUNTY ROAD 137, CEDAR BLUFF, AL 35959-3654

Mortgage

Document Number	0000198361
Date	Jun 16, 2017
Instrument	198361

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3130 Co Rd 137 was $1,117 with a homeowner's exemption, up 7.2% from the year before.

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	$1,117.00 (+7.2%)
2025	$1,042.00 (+2.66%) Homeowner's exemption	$7,500 (+9.33%) Land $5,280 Building $2,220	$260,700 (+2.52%) Land $52,700 Building $208,000
2024	$1,015.00 (-1.84%) Additional exemption filed	$6,860 (-73.51%) Land $4,640 Building $2,220	$254,300 (-1.74%) Land $46,300 Building $208,000
2023	$1,034.00 Homeowner's exemption	$25,900 (+275.36%)	$258,800 (-) Land $46,300 Building $212,500
2022	$1,034.00 Homeowner's exemption	$6,900 Land $4,640 Building $2,260	$258,800 Land $46,300 Building $212,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3130 Co Rd 137 in Zone A, 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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3130 Co Rd 137 is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 83% 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 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

4G LTE (outdoors only), no 5G reported

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