631 Co Rd 413, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 631 Co Rd 413, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	384 sqft · built 1968
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jul 2022)
Tax Bill	$1,107 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-08-28-0-000-059.000`

Property Details

APN / Parcel Number

Primary APN	`13-09-08-28-0-000-059.000`
Alternative APNs	`ALT APN:0908280000059000` `213595` `215551`

Interior

Stories	1 Story
Building Area	384 sqft Living Area
1st Floor Area	384 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Wood
Roof Type	Flat
Roof Material	Metal
Lot Area	39,204 sqft (0.9 acres)

Location & Zoning

Account Number	215551
Street Address	631 COUNTY ROAD 413
City	CEDAR BLUFF
State	AL
Zip	35959-4258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18, ROUND MTN S/D, PB 6/38
Legal Range	09E
Legal Township	09S
Legal Section	28
Legal Subdivision	ROUND MTN SD
Legal Lot Number	18
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	3
Census Block	3045
Census Tract	955802

Owner

631 Co Rd 413 is owned by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2 LEANNA ST NE, ROME, GA 30165-9024
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
Jul 20, 2022	Warranty Deed, Transfer · Conventional Mortgage RIVER CITY BANK
Nov 5, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 13, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on File
Deed Sale	Jul 20, 2022 · Amount on File
Deed Document Number	2022225360
Prior Transfer Date	Oct 21, 2021
Prior Transfer Doc	0000221267
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 20, 2022
Property Address	631 COUNTY ROAD 413, CEDAR BLUFF, AL 35959-4258
Document Number	0000225360
Map Reference	PB 6 PG 89
Instrument Date	Jul 7, 2022
Instrument	225360
Transaction Type	Transfer
Record Updated	Dec 1, 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	2 LEANNA ST NE, ROME, GA 30165-9024

Mortgage

Document Number	0000225361
Date	Jul 20, 2022
Instrument	225361

Lender

Name	RIVER CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 7, 2027

Interest

Rate Type	Fixed Rate

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 5, 2021
Property Address	COUNTY RD, AL
Document Number	0000221267
Map Reference	PB 6 PG 89
Instrument Date	Oct 21, 2021
Instrument	221267
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 S SHORE TER, FAYETTEVILLE, GA 30214-7395

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 GABLES DR SE, ROME, GA 30161-6275

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 13, 2021
Property Address	COUNTY RD, AL
Document Number	0000219817
Map Reference	PB 6 PG 89
Instrument Date	Aug 6, 2021
Instrument	219817
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 BRADLEY CT, JASPER, GA 30143-5495

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 GABLES DR SE, ROME, GA 30161-6275

Tax Assessment & Valuation

The 2026 property tax bill for 631 Co Rd 413 was $1,107, up 6.4% 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	$1,107.00 (+6.44%)
2025	$1,040.00 (+5.69%)	$21,640 (-3.39%) Land $20,600 Building $1,040	$123,900 (+5.72%) Land $103,000 Building $20,900
2024	$984.00	$22,400 (-4.44%) Land $19,260 Building $3,140	$117,200 (-) Land $96,300 Building $20,900
2023	$984.00	$23,440 (+15.47%)	$117,200 (-) Land $96,300 Building $20,900
2022	$984.00	$20,300 Land $19,260 Building $1,040	$117,200 Land $96,300 Building $20,900

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

FEMA maps place 631 Co Rd 413 in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 631 Co Rd 413 is moderate, ranking above 61% 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 61% of the US · above 79% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Killians Electronics Fixed Wireless	25 / 10

May also be available: TDS Telecom, Xfinity.

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