645 Co Rd 131, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 645 Co Rd 131, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	3,804 sqft · built 1986
Lot Size	41 acres (1,785,960 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Jul 2020)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-26-0-000-105.001`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-26-0-000-105.001`
Alternative APNs	`ALT APN:1007260000105001` `210039`

Interior

Stories	1 Story
Building Area	3,804 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,785,960 sqft (41 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	756 sqft
Deck Area	288 sqft
Shed	1 Shed

Location & Zoning

Account Number	210039
Street Address	645 COUNTY ROAD 131
City	CEDAR BLUFF
State	AL
Zip	35959-2182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S/W SW/4 LESS R/W
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2011
Census Tract	955701

Owner

Source: Cherokee County records, as of November 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2020	Warranty Deed, Transfer · VA Mortgage LOANDEPOT COM LLC
Jun 30, 2020	Warranty Deed, Transfer
Jun 30, 2020	Warranty Deed, Transfer
Nov 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	212835
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221028
Date	Oct 21, 2021
Instrument	221028

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 6, 2020
Property Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Document Number	0000212835
Map Reference	PB 6 PG 20
Instrument Date	Jun 29, 2020
Instrument	212835
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0000212836
Date	Jul 6, 2020
Instrument	212836

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2020
Property Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Document Number	0000212789
Instrument Date	Jun 29, 2020
Instrument	212789
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 COUNTY ROAD 28, CENTRE, AL 35960-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CIR 131, CEDAR BLUFF, AL 35959

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2020
Property Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Document Number	212789
Instrument Date	Jun 29, 2020
Instrument	212789
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 COUNTY ROAD 28, 392, CENTRE, AL 35960-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CIR 131, CEDAR BLUFF, AL 35959

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 2, 2017
Property Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182
Document Number	0000200289
Instrument Date	Nov 1, 2017
Instrument	200289
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 COUNTY ROAD 131, CEDAR BLUFF, AL 35959-2182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 MOORES FERRY RD SW, PLAINVILLE, GA 30733-2307

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Municipality	Cedar Bluff Town
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$31,120 (-23.8%) Land $2,440 Building $28,680	$524,400 (+28.49%) Land $140,600 Building $383,800
2023	Homeowner's exemption	$40,840	$408,120 Land $24,320 Building $383,800

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 63% of the US · above 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CEDAR BLUFF UTILITIES BOARD serves 4,281 people · EPA ID AL0000187
Water Source	Purchased surface water from NORTHEAST ALABAMA WATER SEWER AND FPD
Last State Inspection	Oct 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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