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

Cherokee County property record for 680 Co Rd 640, Cedar Bluff, AL 35959

Property Summary

Property Type	Mobile Home
Details	1,248 sqft · built 2004
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2026)
Tax Bill	$827 (2026)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`13-10-07-25-0-000-217.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-25-0-000-217.000`
Alternative APNs	`ALT APN:1007250000217000` `208334` `214557`

Interior

Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Mixed

Exterior Amenities

Porch	Patio
Porch Area	160 sqft
Deck Area	168 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	214557
Street Address	680 COUNTY ROAD 640
City	CEDAR BLUFF
State	AL
Zip	35959-2607
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 70 BLK 7 DESOTO WEISS ESTATES SUB 9/105
Legal Range	10E
Legal Township	09S
Legal Section	25
Legal Subdivision	DESOTO WEISS ESTATES
Legal Block	7
Legal Lot Number	70
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2035
Census Tract	955701

Owner

680 Co Rd 640, a mobile home, is owned by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	52 GALWAY DR, CARTERSVILLE, GA 30120-5201
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 20, 2026	Warranty Deed, Construction Loan · Construction Mortgage FIRST STATE BANK SOUTHERN CA
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit ALABAMA TEACHERS CU
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit ALABAMA TEACHERS CU
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Aug 28, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Prior Sale	Dec 15, 2022 · Amount on File
Deed Document Number	2026245425
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 20, 2026
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Document Number	0000245425
Instrument Date	Aug 18, 2026
Instrument	2026245425
Transaction Type	Construction Loan
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,530.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 GALWAY DR, CARTERSVILLE, GA 30120-5201

Mortgage

Document Number	0000245427,
Date	Aug 20, 2026
Instrument	2026245427

Lender

Name	FIRST STATE BANK SOUTHERN CA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 18, 2027

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220741
Date	Oct 6, 2021
Instrument	220741

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232829
Date	Mar 14, 2024
Instrument	232829

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union
Address	GADSDEN, AL 35901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 6, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232829
Date	Mar 14, 2024
Instrument	232829

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union
Address	GADSDEN, AL 35901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 6, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 15, 2022
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Document Number	0000223290
Map Reference	PB 9 PG 105
Instrument Date	Mar 11, 2022
Instrument	223290
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

Mortgage

Document Number	0000223292
Date	Mar 15, 2022
Instrument	223292

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220741
Date	Oct 6, 2021
Instrument	220741

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 28, 2019
Property Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607
Document Number	0000208823
Map Reference	PB 9 PG 105
Instrument Date	Aug 26, 2019
Instrument	208823
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
Address	90 KEITH RD NE, CARTERSVILLE, GA 30121-5048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 COUNTY ROAD 640, CEDAR BLUFF, AL 35959-2607

Tax Assessment & Valuation

The 2026 property tax bill for 680 Co Rd 640 was $827, 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	$827.00 (+6.99%)
2025	$773.00 (+2.25%)	$15,240 (+3.39%) Land $5,040 Building $10,200	$184,200 (+2.28%) Land $50,400 Building $133,800
2024	$756.00 (-0.26%)	$14,740 (-18.38%) Land $4,500 Building $10,240	$180,100 (-0.22%) Land $45,000 Building $135,100
2023	$758.00 (-44.79%)	$18,060 (-30.54%)	$180,500 (+10.4%) Land $45,000 Building $135,500
2022	$1,373.00	$26,000 Land $9,000 Building $17,000	$163,500 Land $45,000 Building $118,500

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 680 Co Rd 640 in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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 680 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.

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 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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