357 Cherokee Dr, Ragland, AL 35131 Property Records

St. Clair County property record for 357 Cherokee Dr, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,408 sqft · built 2004
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Sep 2026)
Tax Bill	$474 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-05-15-0-001-079.000`

Property Details

APN / Parcel Number

Primary APN	`19-05-15-0-001-079.000`
Alternative APNs	`00400178` `400178` `16884`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Lot Dimensions	230 ft deep x 205 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Utility Building	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00400178
Street Address	357 CHEROKEE DR
City	RAGLAND
State	AL
Zip	35131-3916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 & 21 COOSA HEIGHTS 2ND ADD; ALSO PT DESRC AS BEG SE COR LOT 20 COOSA HEIGHTS SUB SE TO COOSA RIVER SW ALG RIVER 205'
Legal Range	05E
Legal Township	15S
Legal Section	15
Legal Subdivision	COOSA HEIGHTS
Legal Lot Number	20-21
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	1
Census Block	1062
Census Tract	40302

Owner

Source: St. Clair County records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	289 MIDDLE RIDGE DR, SPRINGVILLE, AL 35146-7458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Jan 31, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jun 6, 2018	Affidavit of Death, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jun 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Book / Page	2026 / 12784
Prior Transfer Date	May 9, 2018
Prior Transfer Doc	0000006303
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Sep 29, 2026
Property Address	357 CHEROKEE DR, RAGLAND, AL 35131-3916
Document Number	2026012784
Book / Page	2026 / 12784
Instrument Date	Sep 29, 2026
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	TITLE VILLAGE TITLE AGENCY LLC, TITLE VILLAGE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 MIDDLE RIDGE DR, SPRINGVILLE, AL 35146-7458

Mortgage

Document Number	2026044545,
Date	Sep 29, 2026
Book Page	2026/44545

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jan 31, 2020
Property Address	357 CHEROKEE DR, RAGLAND, AL 35131-3916
Document Number	0000001293
Instrument Date	Dec 23, 2019
Instrument	1293
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$146.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 CHEROKEE DR RAGLAND AL 351313916, RAGLAND, AL 35131-3916

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CLAIR AL
Recording Date	Jun 6, 2018
Property Address	357 CHEROKEE DR, RAGLAND, AL 35131-3916
Document Number	0000000605
Instrument Date	May 9, 2018
Instrument	605
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 CHEROKEE DR RAGLAND AL 351313916, RAGLAND, AL 35131-3916

Mortgage

Document Number	17347
Date	Jun 6, 2018
Instrument	17347

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 6, 2018
Property Address	357 CHEROKEE DR, RAGLAND, AL 35131-3916
Document Number	0000006303
Instrument Date	May 9, 2018
Instrument	6303
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$31.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 CHEROKEE DR RAGLAND AL 351313916, RAGLAND, AL 35131-3916

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$474.00 (+2%)	$16,860 (-49.91%)	$168,300 (-)
2023		$33,660 Land $5,020 Building $28,640	$168,300 Land $25,100 Building $143,200
2022	$395.00

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 August 22, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ragland Telephone Fiber	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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