551 Co Rd 640, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 551 Co Rd 640, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,140 sqft · built 2021
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Aug 2021)
Tax Bill	$1,143 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`13-10-07-25-0-000-230.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-25-0-000-230.000`
Alternative APNs	`ALT APN:1007250000230000` `210480`

Interior

Stories	1 Story
Building Area	1,140 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Carport
Carport	Carport
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	210480
Street Address	551 COUNTY ROAD 640
City	CEDAR BLUFF
State	AL
Zip	35959-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 83 BLK 7 DESOTO WEISS ESTATES SUBD 9/105
Legal Range	10E
Legal Township	09S
Legal Section	25
Legal Subdivision	DESOTO WEISS ESTATES
Legal Block	7
Legal Lot Number	83
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2006
Census Tract	955701

Owner

551 Co Rd 640 is owned by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	6868 HIGHWAY 114, LYERLY, GA 30730-4502
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
Aug 9, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Dec 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on File
Deed Sale	Aug 9, 2021 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	2021219723
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 9, 2021
Property Address	551 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2613
Document Number	0000219723
Map Reference	PB 9 PG 105
Instrument Date	Aug 6, 2021
Instrument	219723
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6868 HIGHWAY 114, LYERLY, GA 30730-4502

Mortgage

Document Number	0000219724
Date	Aug 9, 2021
Instrument	219724

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Dec 12, 2018
Property Address	551 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2613
Document Number	0000205502
Map Reference	PB 9 PG 105
Instrument Date	Dec 10, 2018
Instrument	205502
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 BURNT HILL RD, UNIONVILLE, TN 37180-8604

Tax Assessment & Valuation

The 2026 property tax bill for 551 Co Rd 640 was $1,143, down 34.8% 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	$1,143.00 (-34.8%)
2025	$1,753.00 (+0.86%)	$37,680 (+0.96%) Land $3,360 Building $34,320	$208,800 (+0.87%) Land $16,800 Building $192,000
2024	$1,738.00	$37,320 (-9.86%) Land $3,000 Building $34,320	$207,000 (-) Land $15,000 Building $192,000
2023	$1,738.00	$41,400 (+484.75%)	$207,000 (-) Land $15,000 Building $192,000
2022	$1,738.00	$7,080 Land $3,000 Building $4,080	$207,000 Land $15,000 Building $192,000

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

FEMA maps place 551 Co Rd 640 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 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 551 Co Rd 640 is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 61% of Alabama
Wildfire Likelihood	0.09% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 640

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