487 Co Rd 585, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 487 Co Rd 585, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,176 sqft · built 2009
Lot Size	1.84 acres (80,150 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Aug 2026)
Tax Bill	$1,528 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2008 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-05-22-0-000-017.003`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-22-0-000-017.003`
Alternative APNs	`ALT APN:1005220000017003` `206687`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,176 sqft Living Area
1st Floor Area	1,280 sqft
Upper Floors Area	896 sqft
Basement Area	1,280 sqft
Finished Basement	1,280 sqft
Unfinished Basement	1,280 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	80,150 sqft (1.84 acres)
Porch	Slab
Porch Area	832 sqft

Location & Zoning

Account Number	206687
Street Address	487 COUNTY ROAD 585
City	CEDAR BLUFF
State	AL
Zip	35959-3161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR NE/4 SW/4; S20; E212.41 TO POB; E200; S401;W203;N394 TO POB
Legal Range	10E
Legal Township	09S
Legal Section	22
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1008
Census Tract	955701

Owner

Source: Cherokee County records, as of October 20, 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	6971 COCHRAN RD, AUSTELL, GA 30168-6403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED TRUST BANK
Nov 17, 2008	Deed of Trust, Mortgage · Line of Credit EVABANK
Aug 31, 2007	Deed of Trust, Mortgage · Line of Credit EVABANK
Jan 2, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage SWIFT HOME LOANS INC
Jan 2, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage SWIFT HOME LOANS INC
Nov 21, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Feb 16, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2026 · Amount on Record
Deed Sale	Aug 4, 2026 · Amount on Record
Prior Sale	Jan 2, 2025 · Amount on Record
Deed Document Number	2026245178
Prior Transfer Date	Apr 12, 2024
Prior Transfer Doc	0000236968
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 4, 2026
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Document Number	0000245178
Instrument Date	Aug 3, 2026
Instrument	2026245178
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,815.00
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	6971 COCHRAN RD, AUSTELL, GA 30168-6403
Investor	Possibly a Property Investor

Mortgage

Document Number	0000245179,
Date	Aug 4, 2026
Instrument	2026245179

Lender

Name	UNITED TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 COUNTY ROAD 381, CENTRE, AL 35960-7344
Investor	Possibly a Property Investor

Mortgage

Document Number	0000157352
Date	Nov 17, 2008
Instrument	157352

Lender

Name	EVABANK
Type	Bank
Address	1710 CHEROKEE AVE SW, CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 COUNTY ROAD 381, CENTRE, AL 35960-7344
Investor	Possibly a Property Investor

Mortgage

Document Number	0000149570
Date	Aug 31, 2007
Instrument	149570

Lender

Name	EVABANK
Type	Seller
Address	1710 CHEROKEE AVE SW, CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Jan 2, 2025
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Document Number	0000236968
Instrument Date	Apr 12, 2024
Instrument	236968
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161

Mortgage

Document Number	0000236969
Date	Jan 2, 2025
Instrument	236969

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	May 1, 2039

January 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE AL
Recording Date	Jan 2, 2025
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Document Number	0000236968
Instrument Date	Apr 12, 2024
Instrument	236968
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	FIRST TITLE COMPANY, FIRST TITLE AND ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161

Mortgage

Document Number	0000236969
Date	Jan 2, 2025
Instrument	236969

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	May 1, 2039

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 21, 2018
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Document Number	0000205295
Instrument Date	Nov 14, 2018
Instrument	205295
Transaction Type	Transfer
Record Updated	Feb 4, 2026

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
Address	3210 AL HIGHWAY 157, CULLMAN, AL 35058-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Investor	Possibly a Property Investor

Mortgage

Document Number	0000205296
Date	Nov 21, 2018
Instrument	205296

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate

February 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHEROKEE AL
Recording Date	Feb 16, 2017
Property Address	487 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3161
Document Number	0000196776
Instrument Date	Feb 16, 2017
Instrument	0196776
Transaction Type	Foreclosure
Record Updated	Feb 4, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 COUNTY ROAD 381, CENTRE, AL 35960-7344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1710 CHEROKEE AVE SW, CULLMAN, AL 35055-5333

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,528.00 (+46.22%)
2025	$1,045.00 (+0.58%) Homeowner's exemption	$26,160 (+0.62%) Land $1,380 Building $24,780	$261,500 (+0.65%) Land $13,800 Building $247,700
2024	$1,039.00 Additional exemption filed	$26,000 (-) Land $1,220 Building $24,780	$259,800 (-) Land $12,100 Building $247,700
2023	$1,039.00 Homeowner's exemption	$26,000 (-)	$259,800 (-) Land $12,100 Building $247,700
2022	$1,039.00 Homeowner's exemption	$26,000 Land $1,220 Building $24,780	$259,800 Land $12,100 Building $247,700

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 64% of the US · above 83% 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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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