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

Cherokee County property record for 520 Co Rd 585, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1989
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$86,015 (Aug 2019)
Tax Bill	$465 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-05-22-0-000-024.001`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-22-0-000-024.001`
Alternative APNs	`ALT APN:1005220000024001` `208186`

Interior

Stories	2 Stories
Building Area	1,440 sqft Living Area
Upper Floors Area	480 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Mixed
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	240 sqft

Location & Zoning

Account Number	208186
Street Address	520 COUNTY ROAD 585
City	CEDAR BLUFF
State	AL
Zip	35959-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG INT RW NEW GA DR & S RW CORNWALL TRAIL;E 143'ALG TRAIL;S275';W 143'TO RW RD;N 275'ALG RW TO POB
Legal Subdivision	CORNWALL
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 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
Co-owner	Co-owner on Record
Mailing Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2025	Deed of Trust, Mortgage · Line of Credit FAMILY SAVINGS CU
Aug 1, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK FSB
Oct 19, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Oct 19, 2018 · Amount on Record
Deed Document Number	208441
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143

Mortgage

Document Number	0000238993
Date	Jun 9, 2025
Instrument	238993

Lender

Name	FAMILY SAVINGS CU
Type	Credit Union
Address	HIRAM, GA 30141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	May 21, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 1, 2019
Property Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143
Document Number	0000208441
Instrument Date	May 2, 2019
Instrument	208441
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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6101 CONDOR DR, MOORPARK, CA 93021-2602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143

Mortgage

Document Number	0000208442
Date	Aug 1, 2019
Instrument	208442

Lender

Name	FIRST FEDERAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

October 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHEROKEE AL
Recording Date	Oct 19, 2018
Property Address	520 COUNTY ROAD 585, CEDAR BLUFF, AL 35959-3143
Document Number	0000204909
Instrument Date	Oct 11, 2018
Instrument	204909
Transaction Type	Foreclosure
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027
Mail Care Of	PENNYMAC LOAN SERVICES LLC

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	$465.00 Additional exemption filed	$18,100 (+0.56%) Land $800 Building $17,300	$180,800 (+0.56%) Land $7,900 Building $172,900
2024	Additional exemption filed	$18,000 (-) Land $700 Building $17,300	$179,800 (-) Land $6,900 Building $172,900
2023	Additional exemption filed	$18,000	$179,800 Land $6,900 Building $172,900

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

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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