447 Co Rd 628, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 447 Co Rd 628, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2,117 sqft · built 2005
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,144 (2026)
Deeds & Mortgages	May 2019 Reverse Mortgage May 2019 Reverse Mortgage
Flood Zone	Zone A (high risk)
APN	`13-11-08-27-0-000-018.000`

Property Details

APN / Parcel Number

Primary APN	`13-11-08-27-0-000-018.000`
Alternative APNs	`ALT APN:1108270000018000` `9912`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,117 sqft Living Area
1st Floor Area	1,344 sqft
Upper Floors Area	773 sqft
Basement Area	1,344 sqft
Finished Basement	144 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Porch	Patio
Porch Area	384 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	9912
Street Address	447 COUNTY ROAD 628
City	CEDAR BLUFF
State	AL
Zip	35959-3047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S/2 NE/4 SW/4
Legal Range	11E
Legal Township	09S
Legal Section	27
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3020
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	2 Individual Names on Record
Mailing Address	447 COUNTY ROAD 628, CEDAR BLUFF, AL 35959-3047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 20, 2019	Deed of Trust, Mortgage · Reverse Mortgage HUD

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	447 COUNTY ROAD 628, CEDAR BLUFF, AL 35959-3047
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000207470
Date	May 20, 2019
Instrument	207470

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Index	LIBOR

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	447 COUNTY ROAD 628, CEDAR BLUFF, AL 35959-3047
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000207471
Date	May 20, 2019
Instrument	207471

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Index	LIBOR

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	$1,144.00
2025		$9,040 (-69.97%) Land $5,740 Building $3,300	$307,700 (+2.33%) Land $57,300 Building $250,400
2023	Additional exemption filed	$30,100	$300,700 Land $50,300 Building $250,400

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 67% of the US · above 88% 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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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