320 Co Rd 686, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 320 Co Rd 686, Cedar Bluff, AL 35959

Property Summary

Property Type	Mobile Home
Details	980 sqft · built 1987
Lot Size	2.93 acres (127,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jul 2020)
Tax Bill	$411 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-09-05-22-0-000-041.001`

Property Details

APN / Parcel Number

Primary APN	`13-09-05-22-0-000-041.001`
Alternative APNs	`ALT APN:0905220000041001` `210038`

Interior

Building Area	980 sqft Living Area
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Mobile Home
Lot Area	127,812 sqft (2.93 acres)

Location & Zoning

Account Number	210038
Street Address	320 COUNTY ROAD 686
City	CEDAR BLUFF
State	AL
Zip	35959-4002
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	COM NW COR LOT 44 LITTLE RIVER MOUTH SD, PB 8/13;W 330'TOPOB;SE 551.5'TO CONTOUR LN;SW 281.59'; CONT ON CARD
Legal Range	09E
Legal Township	09S
Legal Section	22
Legal Subdivision	LITTLE RIVER MOUTH
Legal Lot Number	44
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	3
Census Block	3044
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	2 Individual Names on Record
Mailing Address	1454 SAND PIT RD, SUMMERVILLE, GA 30747-6229
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	2020212957
Record Updated	Oct 29, 2026

July 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 8, 2020
Property Address	320 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4002
Document Number	0000212957
Map Reference	DB A373 PG 55
Instrument Date	Jul 8, 2020
Instrument	212957
Transaction Type	Transfer
Record Updated	May 30, 2023

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	1093 COUNTY ROAD 865, GAYLESVILLE, AL 35973-4900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2276 WELCOME HILL RD, TRION, GA 30753-5571
Investor	Possibly a Property Investor

Mortgage

Document Number	0000212958
Date	Jul 8, 2020
Instrument	212958

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2030

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	$411.00 (+7.03%)
2025	$384.00 (+4.63%)	$7,940 (+5.59%) Land $6,960 Building $980	$91,400 (+4.82%) Land $69,600 Building $21,800
2024	$367.00 (+5.16%)	$7,520 (-9.62%) Land $6,500 Building $1,020	$87,200 (+4.93%) Land $65,000 Building $22,200
2023	$349.00	$8,320 (+14.6%)	$83,100 (-) Land $65,000 Building $18,100
2022	$349.00	$7,260 Land $6,500 Building $760	$83,100 Land $65,000 Building $18,100

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

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 Record median of 11 policies
Nearby Flood Policies	11 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 56% of the US · above 70% of Alabama
Wildfire Likelihood	0.1% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Xfinity.

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