4740 Cross St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4740 Cross St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,192 sqft · built 2011
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Nov 2024)
Tax Bill	$360 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-09-29-4-000-070.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-09-29-4-000-070.000`
Alternative APNs	`ALT APN:1009294000070000` `29796`

Interior

Stories	1 Story
Building Area	1,192 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Porch	Open Porch
Porch Area	260 sqft
Deck Area	440 sqft

Location & Zoning

Account Number	29796
Street Address	4740 CROSS ST
City	CEDAR BLUFF
State	AL
Zip	35959-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT NLY R/W ST HWY 9 & WLY R/W CROSS ST, NLY 610 TO POB;W69.83;S16.W16.41;S86.52;E90 TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1038
Census Tract	955701

Owner

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
Mailing Address	PO BOX 741, CEDAR BLUFF, AL 35959-0741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Deed Document Number	236248
Record Updated	Jun 8, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 1, 2024
Property Address	4740 CROSS ST, CEDAR BLUFF, AL 35959-5431
Document Number	0000236248
Map Reference	MB 3 PG 10
Instrument Date	Oct 24, 2024
Instrument	236248
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 COUNTY ROAD 690, CEDAR BLUFF, AL 35959-3551

Mortgage

Document Number	0000236249
Date	Nov 1, 2024
Instrument	236249

Lender

Name	EMBLEM CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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	$360.00 (-80.45%) Homeowner's exemption	$8,620 (-8.3%) Land $700 Building $7,920	$87,900 (-64.73%) Land $7,000 Building $80,900
2024	$1,841.00 Additional exemption filed	$9,400 (-76.67%) Land $1,400 Building $8,000	$249,200 (-) Land $14,000 Building $235,200
2023	$1,841.00 Homeowner's exemption	$40,300 (+2,450.63%)	$249,200 (-) Land $14,000 Building $235,200
2022	$1,841.00 Homeowner's exemption	$1,580 Land $1,400 Building $180	$249,200 Land $14,000 Building $235,200

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	Low lower than 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood	0.02% 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 37 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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