4040 Oak Dr, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4040 Oak Dr, Cedar Bluff, AL 35959 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1998
Square Footage	1,386 sqft Living Area
Garage	Mixed
Occupancy	Owner Occupied

Property Details

APN / Parcel Number

Primary APN	`13-10-08-28-0-000-070.027`
Alternative APNs	`ALT APN:1008280000070027` `24531`

Interior

Building Area	1,386 sqft Living Area
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1998
Exterior Material	Concrete Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Parking Spaces	1 Parking Spaces
Garage Type	Mixed Garage
Carport	Carport
Carport Area	312 sqft Carport
Porch	Enclosed Porch
Porch Area	396 sqft Porch

Location & Zoning

Account Number	24531
Street Address	4040 OAK DR
City	CEDAR BLUFF
State	AL
Zip	35959-5236
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 14 HIDDEN POINT SUB 11/58 UNDIVIDED INTEREST IN COMMON AREA
Legal Subdivision	HIDDEN POINT SUB
Legal Lot Number	14
Jurisdiction	CHEROKEE AL
Minor Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Blockgroup	2
Census Block	2060
Census Tract	955701

Owner

Source: Cherokee County records · APN 13-10-08-28-0-000-070.027

Assessment roll updated January 1, 2025 · Last verified December 2025

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 File
Mailing Address	4040 OAK DR, CEDAR BLUFF, AL 35959-5236
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4040 OAK DR, CEDAR BLUFF, AL 35959-5236
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217471
Date	Apr 06, 2021
Instrument	217471

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 01, 2031

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$14,860 (+6.91%) Land $1,440 Building $13,420	$153,700 (+1.05%) Land $14,800 Building $138,900
2023	Additional exemption filed	$13,900	$152,100 Land $13,200 Building $138,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 73% of Alabama
Wildfire Likelihood	About 1 in 610 per year
Exposure	Direct burnable vegetation at the parcel

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