3405 Co Rd 104, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3405 Co Rd 104, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,673 sqft · built 1995
Lot Size	0.346 acres (15,051 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Sep 2020)
Tax Bill	$2,190 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-06-13-0-000-001.004`

Property Details

APN / Parcel Number

Primary APN	`13-09-06-13-0-000-001.004`
Alternative APNs	`ALT APN:0906130000001004` `210574`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,673 sqft Living Area
1st Floor Area	1,815 sqft
Upper Floors Area	858 sqft
Basement Area	1,225 sqft
Finished Basement	1,225 sqft
Unfinished Basement	725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,051 sqft (0.346 acres)
Garage Area	561 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Location & Zoning

Account Number	210574
Street Address	3405 COUNTY ROAD 104
City	CEDAR BLUFF
State	AL
Zip	35959-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL THAT PT OF LOT 4, MOUNTAIN LAKE SUBD 2ND SECTOR, PB 9 PG34
Legal Range	09E
Legal Township	09S
Legal Section	13
Legal Subdivision	MOUNTAIN LAKE SUBDIVISION
Legal Lot Number	4
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3044
Census Tract	955702

Owner

3405 Co Rd 104 is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3405 COUNTY ROAD 104, CEDAR BLUFF, AL 35959-3540
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Sep 28, 2007
Deed Document Number	2020214419
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 28, 2020
Property Address	3405 COUNTY ROAD 104, CEDAR BLUFF, AL 35959-3540
Document Number	0000214419
Map Reference	PB 9 PG 34
Instrument Date	Sep 24, 2020
Instrument	214419
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2996 WINDWARD DR NW, KENNESAW, GA 30152-4665

Mortgage

Document Number	0000214420
Date	Sep 28, 2020
Instrument	214420

Lender

Name	PEOPLES INDEPENDENT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3405 Co Rd 104 was $2,190, up 7% 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	$2,190.00 (+6.99%)
2025	$2,047.00 (+1.14%)	$48,760 (+1.16%) Land $4,560 Building $44,200	$243,800 (+1.16%) Land $22,800 Building $221,000
2024	$2,024.00 (-2.03%)	$48,200 (-2.03%) Land $4,000 Building $44,200	$241,000 (-2.03%) Land $20,000 Building $221,000
2023	$2,066.00	$49,200 (-)	$246,000 (-) Land $20,000 Building $226,000
2022	$2,066.00	$49,200 Land $4,000 Building $45,200	$246,000 Land $20,000 Building $226,000

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 3405 Co Rd 104 in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 3405 Co Rd 104 is moderate, ranking above 60% 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 60% of the US · above 77% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 104

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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