525 Co Rd 707, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 525 Co Rd 707, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 2016
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Feb 2019)
Tax Bill	$687 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-09-31-0-000-004.005`

Property Details

APN / Parcel Number

Primary APN	`13-11-09-31-0-000-004.005`
Alternative APNs	`ALT APN:1109310000004005` `207066`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	360 sqft
Unfinished Basement	840 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	41,382 sqft (0.95 acres)
Porch	Slab
Porch Area	336 sqft
Deck Area	240 sqft

Location & Zoning

Account Number	207066
Street Address	525 COUNTY ROAD 707
City	CEDAR BLUFF
State	AL
Zip	35959-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR LOT 1 LAKWSHORE EST PB 6/109;NW 720'TO POB;NW468.54';E 409.32';SE 173.98' TO POB
Legal Range	11E
Legal Township	09S
Legal Section	31
Legal Subdivision	LAKWSHORE ESTATE
Legal Lot Number	1
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3009
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	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA TEACHERS CU
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA TEACHERS CU
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Feb 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Feb 5, 2019	Personal Representative Deed, Transfer · Conventional Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2019 · Amount on Record
Deed Sale	Feb 5, 2019 · Amount on Record
Prior Sale	Feb 10, 2006
Deed Document Number	2019206145
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215580
Date	Dec 9, 2020
Instrument	215580

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213097
Date	Jul 15, 2020
Instrument	213097

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2035

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209002
Date	Sep 11, 2019
Instrument	209002

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2034

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000219855
Date	Aug 17, 2021
Instrument	219855

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	206146
Date	Feb 5, 2019
Instrument	206146

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

February 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 5, 2019
Property Address	525 COUNTY ROAD 707, CEDAR BLUFF, AL 35959-2439
Document Number	0000206145
Instrument Date	Jan 31, 2018
Instrument	206145
Transaction Type	Transfer
Record Updated	May 30, 2023

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	6049 BROOKWOOD DR, BURTON, MI 48509-1301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 CIR 707, CEDAR BLUFF, AL 35959

Mortgage

Document Number	0000206146
Date	Feb 5, 2019
Instrument	206146

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

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	$687.00 (+7.34%)
2025	$640.00 (-1.39%) Homeowner's exemption	$15,300 (-1.42%) Land $820 Building $14,480	$164,900 (-1.38%) Land $8,200 Building $156,700
2024	$649.00 Additional exemption filed	$15,520 (-7.18%) Land $720 Building $14,800	$167,200 (-) Land $7,200 Building $160,000
2023	$649.00 Homeowner's exemption	$16,720 (+770.83%)	$167,200 (-) Land $7,200 Building $160,000
2022	$649.00 Homeowner's exemption	$1,920 Land $720 Building $1,200	$167,200 Land $7,200 Building $160,000

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
Nearby Flood Policies	5 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

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

Wildfire Risk	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5

May also be available: T-Mobile.

Cell Coverage

4G LTE only, no 5G reported

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