4575 Broad St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4575 Broad St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,288 sqft · built 1950
Lot Size	0.237 acres (10,338 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Feb 2024)
Tax Bill	$555 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-09-29-4-000-016.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-09-29-4-000-016.000`
Alternative APNs	`ALT APN:1009294000016000` `219014` `217639` `31675`

Interior

Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,338 sqft (0.237 acres)
Porch	Patio
Porch Area	240 sqft
Utility Building	90 sqft

Location & Zoning

Account Number	219014
Street Address	4575 BROAD ST
City	CEDAR BLUFF
State	AL
Zip	35959-5434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG INT ELY R/W CRUSES ST & NLY R/W BROWN ST, E 200' ALG SDNLY R/W, N 50', W 180' ELY R/W, SWLY 65.4' ALG SD ELY R/W
Legal Range	10E
Legal Township	09S
Legal Section	29
Legal Subdivision	TOWN OF CEDAR BLUFF
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1022
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	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL SERVICES INC
Feb 1, 2024	Warranty Deed, Transfer · Conventional Mortgage CONSUMER REAL ESTATE FINANCE CO
Jun 16, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	2024232291
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Jun 3, 2026
Property Address	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434
Document Number	0000244073
Instrument Date	May 22, 2026
Instrument	2026244073
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TEAM TITLE SERVICES, AMT TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434

Mortgage

Document Number	0000244073,
Date	Jun 3, 2026
Instrument	2026244073

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 1, 2024
Property Address	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434
Document Number	0000232291
Instrument Date	Jan 31, 2024
Instrument	232291
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434

Mortgage

Document Number	0000232292
Date	Feb 1, 2024
Instrument	232292

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 16, 2023
Property Address	4575 BROAD ST, CEDAR BLUFF, AL 35959-5434
Document Number	0000229555
Instrument Date	Jun 15, 2023
Instrument	229555
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1093, CEDAR BLUFF, AL 35959-1093

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Municipality	Cedar Bluff Town
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$555.00 (+7.77%)
2025	$515.00 (-37.88%) Homeowner's exemption	$12,100 (-31.41%) Land $340 Building $11,760	$120,800 (+36.96%) Land $3,300 Building $117,500
2024	$829.00 (+77.9%)	$17,640 (+2,494.12%) Land $660 Building $16,980	$88,200 (+2,494.12%) Land $3,300 Building $84,900
2023	$466.00	$680 (-93.15%)	$3,400 (-93.15%) Land $3,300 Building $100
2022	$466.00	$9,920 Land $660 Building $9,260	$49,600 Land $3,300 Building $46,300

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · other causes

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 45% of the US · above 49% of Alabama
Wildfire Likelihood	0.09% 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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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