4525 Co Rd 48, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4525 Co Rd 48, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,044 sqft · built 1957
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,000 (Apr 2021)
Tax Bill	$312 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-04-19-0-000-006.000`

Property Details

APN / Parcel Number

Primary APN	`13-09-04-19-0-000-006.000`
Alternative APNs	`ALT APN:0904190000006000` `211950`

Interior

Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	1,044 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	360 sqft
Utility Building	108 sqft

Location & Zoning

Account Number	211950
Street Address	4525 COUNTY ROAD 48
City	CEDAR BLUFF
State	AL
Zip	35959-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE CR NE/4 NW/4, W 280', N 210', W 310' TO POB, W 340'NE R/W CO RD 48, SELY 380' ALG SD R/W E 200', NLY 70', N 125
Legal Range	09E
Legal Township	09S
Legal Section	19
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	1
Census Block	1041
Census Tract	955802

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	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Nov 2, 2018	Intrafamily Transfer, Transfer
Oct 19, 2017	Correction Deed · Stand-Alone First Mortgage ACOPIA LLC
Jan 6, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2021 · Amount on Record
Deed Sale	Apr 13, 2021 · Amount on Record
Prior Sale	Jan 6, 2017 · Amount on Record
Deed Document Number	2021217603
Prior Transfer Date	Nov 2, 2018
Prior Transfer Doc	0000205085
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 13, 2021
Property Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404
Document Number	0000217603
Instrument Date	Apr 6, 2021
Instrument	217603
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

Mortgage

Document Number	0000217604
Date	Apr 13, 2021
Instrument	217604

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Nov 2, 2018
Property Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404
Document Number	0000205085
Instrument Date	Nov 2, 2018
Instrument	205085
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	183 LA RUE FINIS, LEESBURG, AL 35983-3908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

October 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 19, 2017
Property Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404
Document Number	0000200087
Instrument Date	Oct 18, 2017
Instrument	200087
Record Updated	Jun 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

Mortgage

Document Number	0000200088
Date	Oct 19, 2017
Instrument	200088

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 6, 2017
Property Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404
Document Number	0000196249
Instrument Date	Dec 14, 2016
Instrument	0196249
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
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	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4525 COUNTY ROAD 48, CEDAR BLUFF, AL 35959-4404

Mortgage

Document Number	0000196250
Date	Jan 6, 2017
Instrument	0196250

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$312.00 (+8.33%)
2025	$288.00 (+10.77%) Homeowner's exemption	$1,340 (+8.06%) Land $900 Building $440	$81,200 (+0.5%) Land $9,000 Building $72,200
2024	$260.00 Additional exemption filed	$1,240 (-84.14%) Land $800 Building $440	$80,800 (+3.46%) Land $7,900 Building $72,900
2023	Additional exemption filed	$7,820 (+714.58%)	$78,100 (-) Land $7,900 Building $70,200
2022	Additional exemption filed	$960 Land $800 Building $160	$78,100 Land $7,900 Building $70,200

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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