3780 E Chattooga Dr, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 3780 E Chattooga Dr, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,620 sqft · built 1976
Lot Size	0.633 acres (27,571 sqft)
Owner	Individual Name on Record
Last Sale	$252,500 (Dec 2019)
Tax Bill	$3,094 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-04-20-0-000-062.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-04-20-0-000-062.000`
Alternative APNs	`ALT APN:1004200000062000` `208881` `217606`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,571 sqft (0.633 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	282 sqft
Greenhouse	Greenhouse
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	217606
Street Address	3780 E CHATTOOGA DR
City	CEDAR BLUFF
State	AL
Zip	35959-5443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12, 1ST ADD WYATT WEBB S/D, PB 7/7
Legal Range	10E
Legal Township	09S
Legal Section	20
Legal Subdivision	WYATT WEBB SD
Legal Lot Number	12
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1014
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	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Warranty Deed, Transfer · Seller Carry-Back ROBERT COGGIN
Dec 4, 2019	Survivorship Deed, Transfer · Conventional Mortgage PEOPLES BANK OF ALABAMA
Mar 20, 2018	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Prior Sale	Mar 20, 2018 · Amount on Record
Deed Document Number	2019210077
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 12, 2023
Property Address	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443
Document Number	0000229497
Map Reference	PB 7 PG 7
Instrument Date	Jun 8, 2023
Instrument	229497
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443

Mortgage

Document Number	0000229498
Date	Jun 12, 2023
Instrument	229498

Lender

Name	ROBERT COGGIN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

December 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Dec 4, 2019
Property Address	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443
Document Number	0000210077
Map Reference	PB 7 PG 7
Instrument Date	Dec 2, 2019
Instrument	210077
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	SOURCE OF TITLE

Transaction

Amount	Amount Recorded
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	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443

Mortgage

Document Number	0000210078
Date	Dec 4, 2019
Instrument	210078

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

March 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 20, 2018
Property Address	3780 E CHATTOOGA DR, CEDAR BLUFF, AL 35959-5443
Document Number	0000201891
Instrument Date	Mar 19, 2018
Instrument	201891
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,094.00 (+6.98%)
2025	$2,892.00 (+3.06%)	$57,140 (+87.96%) Land $27,820 Building $29,320	$307,700 (+3.05%) Land $139,100 Building $168,600
2024	$2,806.00 (+129.44%)	$30,400 (+16.74%) Land $26,000 Building $4,400	$298,600 (+129.34%) Land $130,000 Building $168,600
2023	$1,223.00 Additional exemption filed	$26,040 (+133.33%)	$130,200 (-49.55%) Land $130,000 Building $200
2022	Additional exemption filed	$11,160 Land $10,640 Building $520	$258,100 Land $106,300 Building $151,800

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	Low lower than 64% of the US · lower than 78% of Alabama
Wildfire Likelihood	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
TDS Telecom DSL	25 / 5
AT&T Fixed Wireless	25 / 3

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