405 Co Rd 730, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 405 Co Rd 730, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	720 sqft · built 2004
Lot Size	2.2 acres (95,832 sqft)
Owner	Individual Name on File
Last Sale	$34,500 (Jul 2023)
Tax Bill	$334 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-05-15-0-000-027.000`

Property Details

APN / Parcel Number

Primary APN	`13-09-05-15-0-000-027.000`
Alternative APNs	`ALT APN:0905150000027000` `211511` `217737`

Interior

Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	95,832 sqft (2.2 acres)
Porch	Slab
Porch Area	240 sqft

Location & Zoning

Account Number	217737
Street Address	405 COUNTY ROAD 730
City	CEDAR BLUFF
State	AL
Zip	35959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15, BLK 1, CRYSTAL BAY ESTATES SD PB 8 PG 10
Legal Range	09E
Legal Township	09S
Legal Section	15
Legal Subdivision	BAY ESTATES
Legal Block	1
Legal Lot Number	15
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	3
Census Block	3052
Census Tract	955802

Owner

405 Co Rd 730 is owned by an individual who bought it in July 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	370 W TERRACE AVE, LAKE ALFRED, FL 33850-3450
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Feb 10, 2021	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on File
Deed Sale	Jul 5, 2023 · Amount on File
Prior Sale	Feb 10, 2021 · Amount on File
Deed Document Number	2023229744
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	405 COUNTY ROAD 730, CEDAR BLUFF, AL 35959
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000221682
Date	Dec 6, 2021
Instrument	221682

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2051

Interest

Rate Type	Fixed Rate

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 5, 2023
Property Address	405 COUNTY ROAD 730, CEDAR BLUFF, AL 35959
Document Number	0000229744
Map Reference	PB 8 PG 10
Instrument Date	Jun 27, 2023
Instrument	229744
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 PEPPERMILL DR SW, CARTERSVILLE, GA 30120-8206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 W TERRACE AVE, LAKE ALFRED, FL 33850-3450

Mortgage

Document Number	0000229745
Date	Jul 5, 2023
Instrument	229745

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

February 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 10, 2021
Property Address	405 COUNTY ROAD 730, CEDAR BLUFF, AL 35959
Document Number	0000216569
Map Reference	PB 8 PG 10
Instrument Date	Feb 9, 2021
Instrument	216569
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount 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	27 TIMBERWOOD DR SE, SILVER CREEK, GA 30173-2350
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 405 Co Rd 730 was $334, up 7.1% 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	$334.00 (+7.05%)
2025	$312.00 (+1.63%)	$1,220 (-83.01%) Land $1,080 Building $140	$74,300 (+1.78%) Land $10,800 Building $63,500
2024	$307.00 (-50.8%)	$7,180 (+17,85%) Land $960 Building $6,220	$73,000 (+36,4%) Land $9,500 Building $63,500
2023	$624.00	$40 (-98.17%)	$200 (-99.73%) Building $200
2022	$624.00	$2,180 Land $1,900 Building $280	$74,400 Land $9,500 Building $64,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 405 Co Rd 730 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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 730 is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	10 / 1

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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