505 Co Rd 102, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 505 Co Rd 102, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,505 sqft · built 1987
Lot Size	1.88 acres (81,893 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jul 2023)
Tax Bill	$1,462 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-09-06-24-0-000-021.000`

Property Details

APN / Parcel Number

Primary APN	`13-09-06-24-0-000-021.000`
Alternative APNs	`ALT APN:0906240000021000` `217848` `18372`

Interior

Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,059 sqft
Upper Floors Area	446 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	81,893 sqft (1.88 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	685 sqft

Location & Zoning

Account Number	217848
Street Address	505 COUNTY ROAD 102
City	CEDAR BLUFF
State	AL
Zip	35959-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 5 LITTLE RIVER BAY JOHNSON SUBD, PB 6/16
Legal Range	09E
Legal Township	09S
Legal Section	24
Legal Subdivision	LITTLE RIVER BAY JOHNSON SUBDIVISION
Legal Block	5
Legal Lot Number	1
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3051
Census Tract	955702

Owner

505 Co Rd 102 is owned and occupied by two individuals who bought it in July 2023.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 21, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK FSB
Apr 13, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Jun 17, 2006
Deed Document Number	2023230011
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Jul 27, 2026
Property Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321
Document Number	0000245015
Instrument Date	Jul 9, 2026
Instrument	2026245015
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321

Mortgage

Document Number	0000245015,
Date	Jul 27, 2026
Instrument	2026245015

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321

Mortgage

Document Number	0000231034
Date	Oct 11, 2023
Instrument	231034

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 10, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 21, 2023
Property Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321
Document Number	0000230011
Map Reference	PB 6 PG 16
Instrument Date	Jul 20, 2023
Instrument	230011
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1720 POPLAR SPRINGS RD, RINGGOLD, GA 30736-3335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 COUNTY ROAD 102, CEDAR BLUFF, AL 35959-3321

Mortgage

Document Number	0000230012
Date	Jul 21, 2023
Instrument	230012

Lender

Name	FIRST FEDERAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 13, 2022
Property Address	COUNTY RD, CEDAR BLUFF, AL 35959
Document Number	0000223744
Map Reference	PB 6 PG 51
Instrument Date	Apr 13, 2022
Instrument	223744
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 358, TRION, GA 30753-0358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1596 MOUNT VERNON RD, ROCKY FACE, GA 30740-9446

Tax Assessment & Valuation

The 2026 property tax bill for 505 Co Rd 102 was $1,462 with a homeowner's exemption, up 7.3% from the year before.

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	$1,462.00 (+7.26%)
2025	$1,363.00 (+2.79%) Homeowner's exemption	$29,480 (+3.08%) Land $13,380 Building $16,100	$337,000 (+2.68%) Land $133,800 Building $203,200
2024	$1,326.00 (+5.57%) Additional exemption filed	$28,600 (-4.41%) Land $12,500 Building $16,100	$328,200 (+9.69%) Land $125,000 Building $203,200
2023	$1,256.00	$29,920 (+83.33%)	$299,200 (-) Land $125,000 Building $174,200
2022	$1,256.00	$16,320 Land $12,500 Building $3,820	$299,200 Land $125,000 Building $174,200

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.

Flood

FEMA maps place 505 Co Rd 102 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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 File median of 12 policies
Nearby Flood Policies	12 in force

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

Wildfire risk around 505 Co Rd 102 is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 85% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL · Fiber in parts of the area	25 / 5

May also be available: AT&T, Killians Electronics, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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