3290 Spring St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3290 Spring St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,335 sqft · built 1940
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Feb 2018)
Tax Bill	$177 (2026)
Deeds & Mortgages	Feb 2018 Second Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-09-29-3-000-046.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-09-29-3-000-046.000`
Alternative APNs	`ALT APN:1009293000046000` `204981`

Interior

Stories	1 Story
Building Area	1,335 sqft Living Area
1st Floor Area	1,335 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Porch	Slab
Porch Area	150 sqft
Deck Area	54 sqft

Location & Zoning

Account Number	204981
Street Address	3290 SPRING ST
City	CEDAR BLUFF
State	AL
Zip	35959-5619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR OF LOT 99 OF RUSSELL SURVEY OF TOWN OF CEDAR BLUFF PB3/10; W115'S ALG SPRING ST.; N220 E10 ALG GROVE ST. SELY
Legal Range	10E
Legal Township	09S
Legal Section	29
Legal Subdivision	RUSSELL SURVEY
Legal Lot Number	99
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1033
Census Tract	955701

Owner

3290 Spring St is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 61, CEDAR BLUFF, AL 35959-0061
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
Feb 7, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ACOPIA LLC
Feb 7, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2018 · Amount on File
Deed Sale	Feb 7, 2018 · Amount on File
Prior Sale	Jul 7, 2006 · Amount on File
Deed Document Number	2018201358
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3290 SPRING ST, CEDAR BLUFF, AL 35959-5619
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201360
Date	Feb 7, 2018
Instrument	201360

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 7, 2018
Property Address	3290 SPRING ST, CEDAR BLUFF, AL 35959-5619
Document Number	0000201358
Instrument Date	Jan 12, 2018
Instrument	201358
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	3290 SPRING ST, CEDAR BLUFF, AL 35959-5619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3290 SPRING ST, CEDAR BLUFF, AL 35959-5619

Mortgage

Document Number	0000201359
Date	Feb 7, 2018
Instrument	201359

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3290 Spring St was $177 with a homeowner's exemption, up 9.3% from the year before.

Source: Cherokee County assessment roll, as of December 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
2026	$177.00 (+9.26%)
2025	$162.00 Homeowner's exemption	$4,580 (-) Land $440 Building $4,140	$45,800 (-) Land $4,400 Building $41,400
2024	$162.00 Additional exemption filed	$4,580 (-) Land $440 Building $4,140	$45,800 (-) Land $4,400 Building $41,400
2023	$162.00 Homeowner's exemption	$4,580 (-)	$45,800 (-) Land $4,400 Building $41,400
2022	$162.00 Homeowner's exemption	$4,580 Land $440 Building $4,140	$45,800 Land $4,400 Building $41,400

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 3290 Spring St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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
Flood Insurance Requirement	Not required lenders may require it
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 3290 Spring St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% of Alabama
Wildfire Likelihood	Under 0.01% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, TDS Telecom.

Nearby Properties on Spring St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures