Cherokee County property record for 4845 Lakeplace Rd, Cedar Bluff, AL 35959 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1,982 sqft · built 1995 |
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-10-07-26-0-000-105.000 |
| Primary APN | 13-10-07-26-0-000-105.000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,982 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,166 sqft (0.439 acres) |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Account Number | 30998 |
|---|---|
| Street Address | 4845 LAKEPLACE RD |
| City | CEDAR BLUFF |
| State | AL |
| Zip | 35959-5169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 LAKEPLACE SD BLK E PB 10/59; ALSO 1/90 INT IN10-07-26-0-000-005.000 COMMON AREA |
| Legal Subdivision | LAKEPLACE SD BLK E |
| Legal Block | E |
| Legal Lot Number | 16 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CEDAR BLUFF-GAYLESVILLE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 955701 |
Source: Cherokee County records · APN 13-10-07-26-0-000-105.000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4845 LAKEPLACE RD, CEDAR BLUFF, AL 35959-5169 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Jan 19, 2018 | Deed of Trust, Mortgage · Stand-Alone First Mortgage REGIONS BANK |
| Aug 15, 2025 | Deed of Trust, Mortgage · Line of Credit ROME KRAFT EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2016 |
| Deed Sale | Apr 29, 2016 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 4845 LAKEPLACE RD, CEDAR BLUFF, AL 35959-5169 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000214799 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 214799 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 4845 LAKEPLACE RD, CEDAR BLUFF, AL 35959-5169 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000201129 |
|---|---|
| Date | Jan 19, 2018 |
| Instrument | 201129 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | CENTRE, AL 35960 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 4845 LAKEPLACE RD, CEDAR BLUFF, AL 35959-5169 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4845 LAKEPLACE RD, CEDAR BLUFF, AL 35959-5169 |
| Document Number | 0000239953 |
|---|---|
| Date | Aug 15, 2025 |
| Instrument | 239953 |
| Name | ROME KRAFT EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | COOSA, GA 30129 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 15, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Cedar Bluff Town |
| Unified School District | Cherokee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $19,640 (-) Land $1,000 Building $18,640 | $196,300 (-) Land $10,000 Building $186,300 |
| 2023 | Additional exemption filed | $19,640 | $196,300 Land $10,000 Building $186,300 |
Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010199557012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 28 individual NFIP policies nearby |
| Nearby Flood Policies | 28 in force 16 of 28 on primary residences |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Apr 2011, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Wildfire Risk | Moderate above 60% of the US · above 78% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 485 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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