4745 Neely St, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 4745 Neely St, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,690 sqft · built 1976
Owner	Individual Name on Record
Deeds & Mortgages	Mar 2026 Mortgage May 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-08-28-0-000-044.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-08-28-0-000-044.000`
Alternative APNs	`ALT APN:1008280000044000` `218473` `6633`

Interior

Stories	1 Story
Building Area	1,690 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Garage Type	Mixed
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	237 sqft
Deck Area	16 sqft
Utility Building	276 sqft

Location & Zoning

Account Number	218473
Street Address	4745 NEELY ST
City	CEDAR BLUFF
State	AL
Zip	35959-5312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL INCLUDES LOT 47 & PART OF LOT 46, CORNWALL S/D1ST ADD, PB 4/28
Legal Subdivision	CORNWALL
Legal Lot Number	46-47
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 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	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 18, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 29, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jun 19, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Sep 8, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage QUICKEN LOANS INC
Dec 21, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Feb 4, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023
Deed Sale	Oct 30, 2023
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312

Mortgage

Document Number	0000242681
Date	Mar 3, 2026
Instrument	242681

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224356
Date	May 18, 2022
Instrument	224356

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312

Mortgage

Document Number	0000231591
Date	Nov 29, 2023
Instrument	231591

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207837
Date	Jun 19, 2019
Instrument	207837

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199558
Date	Sep 8, 2017
Instrument	199558

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215821
Date	Dec 21, 2020
Instrument	215821

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 NEELY ST, CEDAR BLUFF, AL 35959-5312

Mortgage

Document Number	0000237359
Date	Feb 4, 2025
Instrument	237359

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

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	Additional exemption filed	$1,340 (-92.57%) Land $660 Building $680	$180,300 (-) Land $6,600 Building $173,700
2023	Additional exemption filed	$18,040	$180,300 Land $6,600 Building $173,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 66% of the US · above 87% of Alabama
Wildfire Likelihood	0.3% 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 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

Nearby Properties on Neely St

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