3315 Armstrong Rd, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3315 Armstrong Rd, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,728 sqft · built 1977
Lot Size	1.32 acres (57,547 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Apr 2024)
Tax Bill	$907 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-04-20-0-000-029.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-04-20-0-000-029.000`
Alternative APNs	`ALT APN:1004200000029000` `212082` `215438` `219551`

Interior

Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	57,547 sqft (1.32 acres)
Porch	Slab
Porch Area	340 sqft

Location & Zoning

Account Number	219551
Street Address	3315 ARMSTRONG RD
City	CEDAR BLUFF
State	AL
Zip	35959-5524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, PEARSON'S ARROWHEAD ADD S/D, PB 7/10
Legal Range	10E
Legal Township	09S
Legal Section	20
Legal Subdivision	PEARSON'S ARROWHEAD ADDITION
Legal Lot Number	1
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1027
Census Tract	955701

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	Individual Name on Record
Mailing Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Apr 30, 2024	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Apr 28, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES INDEPENDENT BANK
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
May 19, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	2024233473
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	212163
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524

Mortgage

Document Number	0000242976
Date	Mar 26, 2026
Instrument	242976

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 30, 2024
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Document Number	0000233473
Map Reference	MB 7 PG 10
Instrument Date	Apr 30, 2024
Instrument	233473
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

Amount	Amount Recorded
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	1770 COUNTY ROAD 58, CEDAR BLUFF, AL 35959-3829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Investor	Possibly a Property Investor

Mortgage

Document Number	0000233474
Date	Apr 30, 2024
Instrument	233474

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2022
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Document Number	0000225062
Map Reference	PB 7 PG 10
Instrument Date	Jun 30, 2022
Instrument	225062
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Amount	Amount Recorded
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	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524

Mortgage

Document Number	0000225063
Date	Jun 30, 2022
Instrument	225063

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 28, 2021
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Document Number	217863
Map Reference	PB 1 PG 10
Instrument Date	Apr 23, 2021
Instrument	217863
Transaction Type	Transfer
Record Updated	Jun 2, 2021

Transaction

Amount	Amount Recorded
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	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524

Mortgage

Document Number	217864
Date	Apr 28, 2021
Instrument	217864

Lender

Name	PEOPLES INDEPENDENT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210516
Date	Jan 6, 2020
Instrument	210516

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 22, 2044

Interest

Rate Type	Adjustable Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 19, 2020
Property Address	3315 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5524
Document Number	212163
Map Reference	PB 7 PG 10
Instrument Date	Nov 20, 2019
Instrument	212163
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 193, CEDAR BLUFF, AL 35959-0193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 ARMSTRONG RD, CEDAR BLUFF, AL 35959-5522

Tax Assessment & Valuation

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	$907.00 (+7.34%)
2025	$845.00 (+15.28%) Homeowner's exemption	$2,300 (-84.71%) Land $600 Building $1,700	$191,100 (+14.29%) Land $5,900 Building $185,200
2024	$733.00 (-53.34%) Additional exemption filed	$15,040 (-55.02%) Land $560 Building $14,480	$167,200 (-) Land $5,500 Building $161,700
2023	$1,571.00 (+26.8%)	$33,440 (+1,248.39%)	$167,200 (+26.76%) Land $5,500 Building $161,700
2022	$1,239.00	$2,480 Land $1,100 Building $1,380	$131,900 Land $5,500 Building $126,400

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 57% of the US · above 73% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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