413 Co Rd 642, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 413 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,668 sqft · built 2006
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on Record
Tax Bill	$703 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-26-0-000-117.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-26-0-000-117.000`
Alternative APNs	`ALT APN:1007260000117000` `28220`

Interior

Stories	1 Story
Building Area	1,668 sqft Living Area
Basement Area	1,668 sqft
Unfinished Basement	1,668 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	67,518 sqft (1.55 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	632 sqft

Location & Zoning

Account Number	28220
Street Address	413 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21, S.R. SPEARMAN FARM SD, PB 5 PG 6
Legal Subdivision	S.R. SPEARMAN FARM SD
Legal Lot Number	21
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2005
Census Tract	955701

Owner

Source: Cherokee County records, as of November 26, 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 Record
Mailing Address	413 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Sep 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2013
Deed Sale	Dec 13, 2013
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	413 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2171
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000220701
Date	Oct 4, 2021
Instrument	220701

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	413 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2171
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000235713
Date	Sep 24, 2024
Instrument	235713

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2044

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	$703.00 (+21.42%) Homeowner's exemption	$18,020 (+19.65%) Land $260 Building $17,760	$180,100 (+19.59%) Land $2,500 Building $177,600
2024	$579.00 Additional exemption filed	$15,060 (-) Land $220 Building $14,840	$150,600 (-) Land $2,200 Building $148,400
2023	$579.00 Homeowner's exemption	$15,060 (-)	$150,600 (-) Land $2,200 Building $148,400
2022	$579.00 Homeowner's exemption	$15,060 Land $220 Building $14,840	$150,600 Land $2,200 Building $148,400

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Moderate above 61% of the US · above 78% 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.

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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