585 Co Rd 686, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 585 Co Rd 686, Cedar Bluff, AL 35959

Property Summary

Property Type	Mobile Home
Details	1,792 sqft · built 1997
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Mar 2026)
Tax Bill	$375 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-05-22-0-000-021.020`

Property Details

APN / Parcel Number

Primary APN	`13-09-05-22-0-000-021.020`
Alternative APNs	`ALT APN:0905220000021020` `212707`

Interior

Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	212707
Street Address	585 COUNTY ROAD 686
City	CEDAR BLUFF
State	AL
Zip	35959-4000
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 17, RIVERWOOD SD, PHASE 2, PB 9 PG 89
Legal Range	09E
Legal Township	09S
Legal Section	22
Legal Subdivision	RIVERWOOD SD PHASE 2
Legal Phase	2
Legal Lot Number	17
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	3
Census Block	3044
Census Tract	955802

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	2 Individual Names on Record
Mailing Address	643 S SHINBONE RD, MENLO, GA 30731-6527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 24, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SOUTHERN STATE BANK
Jul 19, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Sep 15, 2025 · Amount on Record
Deed Document Number	2026242948
Prior Transfer Date	Aug 22, 2025
Prior Transfer Doc	0000240397
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	585 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4000
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4000

Mortgage

Document Number	0000230359
Date	Aug 17, 2023
Instrument	230359

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 24, 2026
Property Address	585 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4000
Document Number	0000242948
Map Reference	MB 9 PG 89
Instrument Date	Mar 23, 2026
Instrument	242948
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	250 COUNTY ROAD 469, CENTRE, AL 35960-6337

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 S SHINBONE RD, MENLO, GA 30731-6527

Mortgage

Document Number	0000242950
Date	Mar 24, 2026
Instrument	242950

Lender

Name	FIRST SOUTHERN STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 23, 2031

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 19, 2021
Property Address	585 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4000
Document Number	0000219337
Map Reference	PB 9 PG 89
Instrument Date	Jul 16, 2021
Instrument	219337
Transaction Type	Transfer
Record Updated	Jun 29, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4000
Investor	Possibly a Property Investor

Mortgage

Document Number	0000219339
Date	Jul 19, 2021
Instrument	219339

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

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	$375.00 (+267.65%)
2025	$102.00 (-0.97%) Homeowner's exemption	$1,160 (+5.45%) Land $460 Building $700	$36,500 (-0.54%) Land $4,600 Building $31,900
2024	$103.00 (-3.74%) Additional exemption filed	$1,100 (-70.9%) Land $400 Building $700	$36,700 (-2.39%) Land $4,000 Building $32,700
2023	$107.00 (-2.73%) Homeowner's exemption	$3,780 (+243.64%)	$37,600 (-2.08%) Land $4,000 Building $33,600
2022	$110.00 Homeowner's exemption	$1,100 Land $400 Building $700	$38,400 Land $4,000 Building $34,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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 11 policies
Nearby Flood Policies	11 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 54% of the US · above 67% of Alabama
Wildfire Likelihood	0.1% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000

May also be available: Xfinity.

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