Cherokee County property record for 405 Co Rd 696, Cedar Bluff, AL 35959
| Property Type | Single Family Home |
|---|---|
| Details | 672 sqft · built 2023 |
| Lot Size | 1.27 acres (55,321 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,778 (2026) |
| Deeds & Mortgages | Nov 2023 Construction Loan Dec 2024 Reverse Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-10-04-19-0-000-035.010 |
| Primary APN | 13-10-04-19-0-000-035.010 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile Home |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 55,321 sqft (1.27 acres) |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 28713 |
|---|---|
| Street Address | 405 COUNTY ROAD 696 |
| City | CEDAR BLUFF |
| State | AL |
| Zip | 35959-3447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 WOODHAVEN PLACE ESTATES 12/82 |
| Legal Range | 10E |
| Legal Township | 09S |
| Legal Section | 19 |
| Legal Subdivision | WOODHAVEN PLACE ESTATES |
| Legal Lot Number | 5 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CEDAR BLUFF-GAYLESVILLE |
| Census Block Group | 3 |
| Census Block | 3058 |
| Census Tract | 955702 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 COUNTY ROAD 696, CEDAR BLUFF, AL 35959-3447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK |
| Dec 26, 2024 | Deed of Trust, Mortgage · Reverse Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2013 |
| Deed Sale | Nov 27, 2013 |
| Deed Document Number | 2013181873 |
| Prior Transfer Date | May 16, 2008 |
| Prior Transfer Doc | 0000154301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 405 COUNTY ROAD 696, CEDAR BLUFF, AL 35959-3447 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 405 COUNTY ROAD 696, CEDAR BLUFF, AL 35959-3447 |
| Document Number | 0000231570 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 231570 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Dec 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.12% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 13.1% |
| Index | SOFR Average 30-Day |
| Max Rate | 13.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 405 COUNTY ROAD 696, CEDAR BLUFF, AL 35959-3447 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000236899 |
|---|---|
| Date | Dec 26, 2024 |
| Instrument | 236899 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,778.00 (+6.98%) | ||
| 2025 | $1,662.00 (+301.45%) | $10,120 (+25.25%) Land $8,040 Building $2,080 | $395,700 (+300.51%) Land $80,300 Building $315,400 |
| 2024 | $414.00 (-1.43%) | $8,080 (-19.2%) Land $6,000 Building $2,080 | $98,800 (-1.2%) Land $60,000 Building $38,800 |
| 2023 | $420.00 (-1.18%) | $10,000 (+23.76%) | $100,000 (-1.19%) Land $60,000 Building $40,000 |
| 2022 | $425.00 | $8,080 Land $6,000 Building $2,080 | $101,200 Land $60,000 Building $41,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TDS Telecom DSL | 25 / 5 |
May also be available: AT&T, Killians Electronics, T-Mobile.
5G (outdoors only) and 4G LTE
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