Cherokee County property record for 3495 Co Rd 104, Cedar Bluff, AL 35959
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,512 sqft · built 1984 |
| Lot Size | 1.06 acres (46,380 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $148,000 (Mar 2026) |
| Tax Bill | $1,372 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-09-01-12-0-000-005.018 |
| Primary APN | 13-09-01-12-0-000-005.018 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 46,380 sqft (1.06 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 203860 |
|---|---|
| Street Address | 3495 COUNTY ROAD 104 |
| City | CEDAR BLUFF |
| State | AL |
| Zip | 35959-3540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18, MOUNTAIN LAKE S/D, SECTOR # 1, PB 9/4 |
| Legal Range | 09E |
| Legal Township | 09S |
| Legal Section | 12 |
| Legal Subdivision | MOUNTAIN LAKE SECTOR # 1 |
| Legal Lot Number | 18 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CEDAR BLUFF-GAYLESVILLE |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 955702 |
3495 Co Rd 104 is owned by two individuals who bought it in March 2026.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 410 LEATH DR NE, FORT PAYNE, AL 35967-3922 |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2026 · Amount on File |
| Deed Sale | Mar 26, 2026 · Amount on File |
| Prior Sale | Jan 30, 2017 · Amount on File |
| Deed Document Number | 2026242971 |
| Prior Transfer Date | Oct 1, 2025 |
| Prior Transfer Doc | 0000242971 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3495 Co Rd 104 was $1,372, up 6.9% from the year before.
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,372.00 (+6.94%) | ||
| 2025 | $1,283.00 (+6.92%) | $27,840 (+7.99%) Land $19,160 Building $8,680 | $309,200 (+8.19%) Land $193,800 Building $115,400 |
| 2024 | $1,200.00 (+5.91%) | $25,780 (-4.45%) Land $17,000 Building $8,780 | $285,800 (+5.97%) Land $170,000 Building $115,800 |
| 2023 | $1,133.00 | $26,980 (+48.24%) | $269,700 (-) Land $170,000 Building $99,700 |
| 2022 | $1,133.00 | $18,200 Land $17,000 Building $1,200 | $269,700 Land $170,000 Building $99,700 |
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.
FEMA maps place 3495 Co Rd 104 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 A, within 100 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 risk around 3495 Co Rd 104 is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 67% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
4G LTE (outdoors only), no 5G reported
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