324 Co Rd 608, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 324 Co Rd 608, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	640 sqft · built 1970
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Tax Bill	$1,145 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-11-09-31-0-000-097.000`

Property Details

APN / Parcel Number

Primary APN	`13-11-09-31-0-000-097.000`
Alternative APNs	`ALT APN:1109310000097000` `204388`

Interior

Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Porch	Patio
Porch Area	400 sqft
Deck Area	408 sqft

Location & Zoning

Account Number	204388
Street Address	324 COUNTY ROAD 608
City	CEDAR BLUFF
State	AL
Zip	35959-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOT 10, ALPINE SHORES S/D, PB 6/32
Legal Range	11E
Legal Township	09S
Legal Section	31
Legal Subdivision	ALPINE SHORES
Legal Lot Number	10
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3045
Census Tract	955701

Owner

324 Co Rd 608 is owned and occupied by an individual who acquired it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	324 COUNTY ROAD 608, CEDAR BLUFF, AL 35959-2544
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 23, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 23, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2004
Deed Sale	Oct 25, 2004
Deed Book / Page	416 / 19
Last Transfer Date	Sep 11, 2018
Transfer Doc	0000204388
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	324 COUNTY ROAD 608, CEDAR BLUFF, AL 35959-2544
Transaction Type	Mortgage
Record Updated	Jun 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220508
Date	Sep 23, 2021
Instrument	220508

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 23, 2017
Property Address	324 COUNTY ROAD 608, CEDAR BLUFF, AL 35959-2544
Document Number	0000200132
Instrument Date	Oct 19, 2017
Instrument	200132
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 COUNTY ROAD 608, 324, CEDAR BLUFF, AL 35959-2544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 COUNTY ROAD 608, CEDAR BLUFF, AL 35959-2544

Mortgage

Document Number	0000200133
Date	Oct 23, 2017
Instrument	200133

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 324 Co Rd 608 was $1,145, up 6.9% 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	$1,145.00 (+6.91%)
2025	$1,071.00 (+6.25%)	$14,900 (-35.16%) Land $13,860 Building $1,040	$127,500 (+6.16%) Land $69,300 Building $58,200
2024	$1,008.00	$22,980 (-4.33%) Land $12,380 Building $10,600	$120,100 (-) Land $61,900 Building $58,200
2023	$1,008.00	$24,020 (+78.99%)	$120,100 (-) Land $61,900 Building $58,200
2022	$1,008.00	$13,420 Land $12,380 Building $1,040	$120,100 Land $61,900 Building $58,200

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

FEMA maps place 324 Co Rd 608 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 324 Co Rd 608 is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.07% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Co Rd 608

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