Cherokee County property record for 460 Co Rd 686, Cedar Bluff, AL 35959
| Property Type | Other Improved |
|---|---|
| Details | 672 sqft · built 2022 |
| Owner | Individual Name on Record |
| Last Sale | $29,500 (Jun 2016) |
| Tax Bill | $685 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-09-05-22-0-000-038.000 |
| Primary APN | 13-09-05-22-0-000-038.000 |
|---|---|
| Alternative APNs |
|
| Building Area | 672 sqft Living Area |
|---|
| Year Built | Built 2022 |
|---|---|
| Roof Material | Metal |
| Deck Area | Deck Area |
| Account Number | 30158 |
|---|---|
| Street Address | 460 COUNTY ROAD 686 |
| City | CEDAR BLUFF |
| State | AL |
| Zip | 35959-4003 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | LOT 43, LITTLE RIVER MOUTH S/D, PB 8/13 |
| Legal Subdivision | LITTLE RIVER MOUTH |
| Legal Lot Number | 43 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | LEESBURG |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 955802 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 460 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST FIDELITY BANK |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF DEKALB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2016 · Amount on Record |
| Deed Sale | Jun 6, 2016 · Amount on Record |
| Deed Document Number | 0193462 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 460 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4003 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000196666 |
|---|---|
| Date | Feb 9, 2017 |
| Instrument | 0196666 |
| Name | FIRST FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | FORT PAYNE, AL 35967 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 460 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4003 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000217960 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 217960 |
| Name | FIRST STATE BANK OF DEKALB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $685.00 (+5.71%) | $16,320 (+5.7%) Land $13,920 Building $2,400 | $81,600 (+5.7%) Land $69,600 Building $12,000 |
| 2024 | $648.00 (-50.5%) | $15,440 (-50.48%) Land $13,000 Building $2,440 | $77,200 (-50.48%) Land $65,000 Building $12,200 |
| 2023 | $1,309.00 | $31,180 (-) | $155,900 (-) Land $65,000 Building $90,900 |
| 2022 | $1,309.00 | $31,180 Land $13,000 Building $18,180 | $155,900 Land $65,000 Building $90,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 81% of Alabama |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Xfinity.
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