445 Co Rd 189, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 445 Co Rd 189, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,428 sqft · built 1983
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Sep 2022)
Tax Bill	$1,413 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-09-31-0-000-046.000`

Property Details

APN / Parcel Number

Primary APN	`13-11-09-31-0-000-046.000`
Alternative APNs	`ALT APN:1109310000046000` `208118` `215917`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	840 sqft
Upper Floors Area	588 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	48 sqft
Deck Area	280 sqft

Location & Zoning

Account Number	215917
Street Address	445 COUNTY ROAD 189
City	CEDAR BLUFF
State	AL
Zip	35959-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 58, ALPINE SHORES SD, PB 6 PG 32
Legal Range	11E
Legal Township	09S
Legal Section	31
Legal Subdivision	ALPINE SHORES
Legal Lot Number	58
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3045
Census Tract	955701

Owner

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	Individual Name on Record
Mailing Address	130 LAKEVIEW DR, GRANTVILLE, GA 30220-2045
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL
Jul 19, 2019	Warranty Deed, Transfer · FHA Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on Record
Deed Sale	Sep 13, 2022 · Amount on Record
Deed Document Number	2022226152
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	445 COUNTY ROAD 189, CEDAR BLUFF, AL 35959-2522
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220118
Date	Aug 31, 2021
Instrument	220118

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	445 COUNTY ROAD 189, CEDAR BLUFF, AL 35959-2522
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220118
Date	Aug 31, 2021
Instrument	220118

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 13, 2022
Property Address	445 COUNTY ROAD 189, CEDAR BLUFF, AL 35959-2522
Document Number	0000226152
Map Reference	BK 6 PG 32
Instrument Date	Sep 12, 2022
Instrument	226152
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8975 JADE LAKE RD W, 8975, PINSON, AL 35126-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 LAKEVIEW DR, GRANTVILLE, GA 30220-2045

Mortgage

Document Number	0000226153
Date	Sep 13, 2022
Instrument	226153

Lender

Name	FIRST FEDERAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 13, 2022
Property Address	445 COUNTY ROAD 189, CEDAR BLUFF, AL 35959-2522
Document Number	0000226152
Map Reference	BK 6 PG 32
Instrument Date	Sep 12, 2022
Instrument	226152
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8975 JADE LAKE RD W, PINSON, AL 35126-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 LAKEVIEW DR, GRANTVILLE, GA 30220-2045

Mortgage

Document Number	0000226153
Date	Sep 13, 2022
Instrument	226153

Lender

Name	FIRST FEDERAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 19, 2019
Property Address	445 COUNTY ROAD 189, CEDAR BLUFF, AL 35959-2522
Document Number	0000208256
Instrument Date	Jul 19, 2019
Instrument	208256
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 STEPHANIE DR, OZARK, AL 36360-2781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 COR RD 189, CEDAR BLUFF, AL 35959

Mortgage

Document Number	0000208257
Date	Jul 19, 2019
Instrument	208257

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,413.00 (+6.96%)
2025	$1,321.00 (+0.3%)	$1,120 (-96.39%) Land $760 Building $360	$157,300 (+0.32%) Land $3,800 Building $153,500
2024	$1,317.00	$31,000 (-1.15%) Land $660 Building $30,340	$156,800 (-) Land $3,300 Building $153,500
2023	$1,317.00 (-2.3%)	$31,360 (+2,915.38%)	$156,800 (-2.31%) Land $3,300 Building $153,500
2022	$1,348.00	$1,040 Land $660 Building $380	$160,500 Land $3,300 Building $157,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

4G LTE only, no 5G reported

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