4645 Spruce St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4645 Spruce St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,952 sqft · built 1987
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Apr 2014)
Tax Bill	$1,296 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-10-08-28-0-000-034.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-08-28-0-000-034.000`
Alternative APNs	`ALT APN:1008280000034000` `28784`

Interior

Stories	2 Stories
Building Area	1,952 sqft Living Area
Upper Floors Area	480 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Carport
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	260 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	28784
Street Address	4645 SPRUCE ST
City	CEDAR BLUFF
State	AL
Zip	35959-5314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 68 CORNWALL SD 2ND ADD PB 5/42
Legal Subdivision	CORNWALL
Legal Lot Number	68
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1014
Census Tract	955701

Owner

Source: Cherokee County records · APN 13-10-08-28-0-000-034.000

Assessment roll updated January 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	4645 SPRUCE ST, CEDAR BLUFF, AL 35959-5314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 16, 2014 · Amount on Record
Deed Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	183509
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4645 SPRUCE ST, CEDAR BLUFF, AL 35959-5314
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214705
Date	Oct 09, 2020
Instrument	214705

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,296.00 (+2.69%) Homeowner's exemption	$12,040 (+6.55%) Land $7,000 Building $5,040	$287,000 (+2.68%) Land $70,000 Building $217,000
2024	$1,262.00 Additional exemption filed	$11,300 (-59.61%) Land $6,260 Building $5,040	$279,500 (-) Land $62,500 Building $217,000
2023	$1,262.00 Homeowner's exemption	$27,980 (+147.61%)	$279,500 (-) Land $62,500 Building $217,000
2022	$1,262.00 Homeowner's exemption	$11,300 Land $6,260 Building $5,040	$279,500 Land $62,500 Building $217,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 15, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
TDS Telecom DSL	50 / 10
AT&T Fixed Wireless	25 / 3

Based on FCC filings for 27 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CEDAR BLUFF UTILITIES BOARD serves 4,281 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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