4636 Spruce St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4636 Spruce St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,292 sqft · built 1998
Lot Size	1.58 acres (68,825 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Apr 2014)
Deeds & Mortgages	Jul 2026 Sale Oct 2025 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`13-10-08-28-0-000-032.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-08-28-0-000-032.000`
Alternative APNs	`ALT APN:1008280000032000` `28271`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,292 sqft Living Area
1st Floor Area	2,292 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	68,825 sqft (1.58 acres)
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	680 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	28271
Street Address	4636 SPRUCE ST
City	CEDAR BLUFF
State	AL
Zip	35959-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 67 & 70, CORNWALL S/D 2ND ADD PB 5/42
Legal Range	10E
Legal Township	09S
Legal Section	28
Legal Subdivision	CORNWALL
Legal Lot Number	67,70
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1014
Census Tract	955701

Owner

Source: Cherokee County records, as of July 21, 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	4636 SPRUCE ST, CEDAR BLUFF, AL 35959-5315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit UNION STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2014 · Amount on Record
Deed Sale	Apr 25, 2014 · Amount on Record
Deed Document Number	2014183632
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 27, 2026
Property Address	4636 SPRUCE ST, CEDAR BLUFF, AL 35959-5315
Document Number	0000245027
Instrument Date	Jul 27, 2026
Instrument	2026245027
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$66,761.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10415 WELLER DR, AUSTIN, TX 78750-2571

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4636 SPRUCE ST, CEDAR BLUFF, AL 35959-5315
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 SPRUCE ST, CEDAR BLUFF, AL 35959-5315

Mortgage

Document Number	0000241059
Date	Oct 31, 2025
Instrument	241059

Lender

Name	UNION STATE BANK
Type	Bank
Address	CROPWELL, AL 35054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$30,180 (-0.98%) Land $7,000 Building $23,180	$312,200 (+2.46%) Land $70,000 Building $242,200
2023	Additional exemption filed	$30,480	$304,700 Land $62,500 Building $242,200

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 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 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 50% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 27 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
TDS Telecom DSL	50 / 10
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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