4635 Cross St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4635 Cross St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,234 sqft · built 1940
Lot Size	0.324 acres (14,101 sqft)
Owner	Individual Name on Record
Last Sale	$65,500 (May 2026)
Deeds & Mortgages	May 2026 Sale Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-09-29-4-000-018.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-09-29-4-000-018.000`
Alternative APNs	`ALT APN:1009294000018000` `1633`

Interior

Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,234 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick/Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,101 sqft (0.324 acres)
Porch	Slab
Porch Area	160 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	1633
Street Address	4635 CROSS ST
City	CEDAR BLUFF
State	AL
Zip	35959-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT S R/W BROWN ST & E R/W CROSS ST;S 114.9'ALG R/W TOPOB;S 60.1'ALG R/W;E 195';N 70.5';W 213'TO POB
Legal Range	10E
Legal Township	09S
Legal Section	29
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1048
Census Tract	955701

Owner

Source: Cherokee County records, as of May 29, 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	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
May 18, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP
Apr 12, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Apr 12, 2019 · Amount on Record
Deed Document Number	2026243844
Prior Transfer Date	May 18, 2026
Prior Transfer Doc	0000243844
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 19, 2026
Property Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Document Number	0000243844
Instrument Date	May 18, 2026
Instrument	2026243844
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$6,615.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221333
Date	Nov 9, 2021
Instrument	221333

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000211534
Date	Mar 27, 2020
Instrument	211534

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202623
Date	May 18, 2018
Instrument	202623

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 12, 2019
Property Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433
Document Number	0000206958
Map Reference	PB 4 PG 13
Instrument Date	Mar 1, 2019
Instrument	206958
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 CROSS ST, CEDAR BLUFF, AL 35959-5433

Mortgage

Document Number	0000206959
Date	Apr 12, 2019
Instrument	206959

Lender

Name	LOANDEPOT COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
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
2025		$6,020 (-8.23%) Land $220 Building $5,800	$65,400 (-) Land $2,200 Building $63,200
2023	Additional exemption filed	$6,560	$65,400 Land $2,200 Building $63,200

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
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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