685 Co Rd 642, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 685 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2,298 sqft · built 2008
Lot Size	2.22 acres (96,703 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Nov 2018)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-26-0-000-121.007`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-26-0-000-121.007`
Alternative APNs	`ALT APN:1007260000121007` `206679`

Interior

Stories	2 Stories
Building Area	2,298 sqft Living Area
Upper Floors Area	784 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	96,703 sqft (2.22 acres)
Garage Type	Mixed
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	333 sqft
Deck Area	Deck Area
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	206679
Street Address	685 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2184
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, WHISPERING PINES ESTATES, PB 11/68
Legal Subdivision	WHISPERING PINES ESTATES
Legal Lot Number	7
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2017
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	685 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 10, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Nov 21, 2018	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Prior Sale	Jun 1, 2011 · Amount on Record
Deed Document Number	205282
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	685 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212489
Date	Jun 10, 2020
Instrument	212489

Lender

Name	USAA FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	685 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	212489
Date	Jun 10, 2020
Instrument	212489

Lender

Name	USAA FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 21, 2018
Property Address	685 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Document Number	0000205282
Map Reference	PB 11 PG 68
Instrument Date	Nov 16, 2018
Instrument	205282
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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	110 LACEY LN, ANACOCO, LA 71403-3267

Mortgage

Document Number	0000205283
Date	Nov 21, 2018
Instrument	205283

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate

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	$11,440 (-70.1%) Land $7,560 Building $3,880	$403,500 (+5.55%) Land $75,600 Building $327,900
2023	Additional exemption filed	$38,260	$382,300 Land $67,500 Building $314,800

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 500 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 81% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	25 / 5

May also be available: Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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