681 Co Rd 49, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 681 Co Rd 49, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	3,173 sqft · built 2017
Lot Size	6.67 acres (290,545 sqft)
Owner	Individual Name on File
Tax Bill	$1,936 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-04-18-0-000-007.003`

Property Details

APN / Parcel Number

Primary APN	`13-09-04-18-0-000-007.003`
Alternative APNs	`ALT APN:0904180000007003` `30128`

Interior

Stories	1 Story
Building Area	3,173 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	290,545 sqft (6.67 acres)

Location & Zoning

Account Number	30128
Street Address	681 COUNTY ROAD 49
City	CEDAR BLUFF
State	AL
Zip	35959-4438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT E LN SW/4 & CL OF A CRK;N 1253.8';W 279';S 886.14'TOSD CRK;SLY ALG CRK TO POB
Legal Range	09E
Legal Township	09S
Legal Section	18
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	1
Census Block	1040
Census Tract	955802

Owner

681 Co Rd 49 is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 315, LEESBURG, AL 35983-0315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 30, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST SOUTHERN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	681 COUNTY ROAD 49, CEDAR BLUFF, AL 35959-4438
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212810
Date	Jul 1, 2020
Instrument	212810

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	681 COUNTY ROAD 49, CEDAR BLUFF, AL 35959-4438
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201245
Date	Jan 30, 2018
Instrument	201245

Lender

Name	FIRST SOUTHERN STATE BANK
Type	Bank
Address	STEVENSON, AL 35772

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 681 Co Rd 49 was $1,936 with a homeowner's exemption, up 7.2% 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	$1,936.00 (+7.2%)
2025	$1,806.00 (+0.78%) Homeowner's exemption	$44,280 (+0.77%) Land $2,800 Building $41,480	$442,700 (+0.77%) Land $27,900 Building $414,800
2024	$1,792.00 (-1.97%) Additional exemption filed	$43,940 (-1.92%) Land $2,460 Building $41,480	$439,300 (-1.92%) Land $24,500 Building $414,800
2023	$1,828.00 Homeowner's exemption	$44,800 (-)	$447,900 (-) Land $24,500 Building $423,400
2022	$1,828.00 Homeowner's exemption	$44,800 Land $2,460 Building $42,340	$447,900 Land $24,500 Building $423,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 681 Co Rd 49 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
Nearby Flood Policies	1 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 681 Co Rd 49 is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 86% of Alabama
Wildfire Likelihood	0.3% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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