570 Co Rd 165, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 570 Co Rd 165, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2,364 sqft · built 2013
Lot Size	0.548 acres (23,855 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jul 2024)
Tax Bill	$2,395 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Jul 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-03-07-0-000-004.022`

Property Details

APN / Parcel Number

Primary APN	`13-10-03-07-0-000-004.022`
Alternative APNs	`ALT APN:1003070000004022` `214160` `219945` `5546`

Interior

Stories	1 Story
Building Area	2,364 sqft Living Area
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,855 sqft (0.548 acres)
Deck Area	Deck Area

Location & Zoning

Account Number	219945
Street Address	570 COUNTY ROAD 165
City	CEDAR BLUFF
State	AL
Zip	35959-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BEACHWOOD ESTATES SD, PB 9 PG 11
Legal Range	10E
Legal Township	09S
Legal Section	07
Legal Subdivision	BEACHWOOD ESTATES
Legal Lot Number	8
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3038
Census Tract	955702

Owner

570 Co Rd 165 is owned by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5963 FORDS RD NW, ACWORTH, GA 30101-4648
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK DEKALB
Jul 3, 2024	Warranty Deed, Transfer · Conventional Mortgage AFFINITY HOME LENDING LLC
Jan 24, 2022	Warranty Deed, Transfer · Commercial Mortgage AMERICAN HERITAGE LENDING
Jan 24, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2024 · Amount on File
Deed Sale	Jul 3, 2024 · Amount on File
Prior Sale	Jan 24, 2022 · Amount on File
Deed Document Number	2024234494
Prior Transfer Date	Jan 3, 2013
Prior Transfer Doc	0000222434
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	570 COUNTY ROAD 165, CEDAR BLUFF, AL 35959-3615
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227351
Date	Dec 15, 2022
Instrument	227351

Lender

Name	FIRST STATE BANK DEKALB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 3, 2024
Property Address	570 COUNTY ROAD 165, CEDAR BLUFF, AL 35959-3615
Document Number	0000234494
Map Reference	MB 9 PG 71
Instrument Date	Jun 27, 2024
Instrument	234494
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	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5963 FORDS RD NW, ACWORTH, GA 30101-4648

Mortgage

Document Number	0000234495
Date	Jul 3, 2024
Instrument	234495

Lender

Name	AFFINITY HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 24, 2022
Property Address	570 COUNTY ROAD 165, CEDAR BLUFF, AL 35959-3615
Document Number	0000222435
Map Reference	PB 9 PG 71
Instrument Date	Jan 7, 2022
Instrument	222435
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount 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	1286 OLD CEDARTOWN RD SE, LINDALE, GA 30147-1461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1761 500TH LAKE SHORE DR, BIRMINGHAM, AL 35216

Mortgage

Document Number	0000222436
Date	Jan 24, 2022
Instrument	222436

Lender

Name	AMERICAN HERITAGE LENDING
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 1, 2023

Interest

Rate Type	Fixed Rate

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 24, 2022
Property Address	570 COUNTY ROAD 165, CEDAR BLUFF, AL 35959-3615
Document Number	0000222434
Map Reference	PB 9 PG 71
Instrument Date	Jan 7, 2022
Instrument	222434
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 COUNTY ROAD 165, CEDAR BLUFF, AL 35959-3615

Tax Assessment & Valuation

The 2026 property tax bill for 570 Co Rd 165 was $2,395, up 7% 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	$2,395.00 (+6.97%)
2025	$2,239.00 (+14.12%)	$11,340 (+11.61%) Land $9,540 Building $1,800	$266,600 (+14.13%) Land $47,700 Building $218,900
2024	$1,962.00 (+0.87%)	$10,160 (-78.07%) Land $8,360 Building $1,800	$233,600 (+0.86%) Land $41,800 Building $191,800
2023	$1,945.00 (+21.03%)	$46,320 (+302.78%)	$231,600 (+21%) Land $41,800 Building $189,800
2022	$1,607.00	$11,500 Land $8,360 Building $3,140	$191,400 Land $41,800 Building $149,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 570 Co Rd 165 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 570 Co Rd 165 is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 70% of Alabama
Wildfire Likelihood	0.2% 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 165

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures