405 Co Rd 121, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 405 Co Rd 121, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,373 sqft · built 2019
Lot Size	19.8 acres (864,230 sqft)
Owner	Individual Name on File
Tax Bill	$996 (2026)
Deeds & Mortgages	Jun 2018 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-05-15-0-000-014.002`

Property Details

APN / Parcel Number

Primary APN	`13-11-05-15-0-000-014.002`
Alternative APNs	`ALT APN:1105150000014002` `30957`

Interior

Stories	1 Story
Building Area	1,373 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	864,230 sqft (19.8 acres)

Location & Zoning

Account Number	30957
Street Address	405 COUNTY ROAD 121
City	CEDAR BLUFF
State	AL
Zip	35959-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG @ NW COR NW/4 SW/4;S660;E1309;N775;W1140 TO POB;LESS ROW
Legal Range	11E
Legal Township	09S
Legal Section	15
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3012
Census Tract	955701

Owner

405 Co Rd 121 is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	405 COUNTY ROAD 121, CEDAR BLUFF, AL 35959-2354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Date	Document
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit UNION STATE BANK
Apr 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage NOBLE BANK & TRUST
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	405 COUNTY ROAD 121, CEDAR BLUFF, AL 35959-2354
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	203093
Date	Jun 21, 2018
Instrument	203093

Lender

Name	UNION STATE BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	405 COUNTY ROAD 121, CEDAR BLUFF, AL 35959-2354
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	206834
Date	Apr 3, 2019
Instrument	206834

Lender

Name	NOBLE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	405 COUNTY ROAD 121, CEDAR BLUFF, AL 35959-2354
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217838
Date	Apr 26, 2021
Instrument	217838

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 405 Co Rd 121 was $996 with a homeowner's exemption, up 7.3% 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	$996.00 (+7.33%)
2025	$928.00 (+3.34%) Homeowner's exemption	$23,320 (+3.19%) Land $5,900 Building $17,420	$233,200 (+3.19%) Land $59,000 Building $174,200
2024	$898.00 Additional exemption filed	$22,600 (-) Land $5,180 Building $17,420	$226,000 (-) Land $51,800 Building $174,200
2023	$898.00 Homeowner's exemption	$22,600 (-)	$226,000 (-) Land $51,800 Building $174,200
2022	$898.00 Homeowner's exemption	$22,600 Land $5,180 Building $17,420	$226,000 Land $51,800 Building $174,200

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

Flood

FEMA maps place 405 Co Rd 121 in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 405 Co Rd 121 is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 92% of Alabama
Wildfire Likelihood	0.3% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
TDS Telecom DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 121

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