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

Cherokee County property record for 691 Co Rd 642, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,904 sqft · built 2020
Lot Size	1.74 acres (75,794 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Sep 2020)
Tax Bill	$1,508 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-26-0-000-121.010`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-26-0-000-121.010`
Alternative APNs	`ALT APN:1007260000121010` `210569`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,904 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,628 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	75,794 sqft (1.74 acres)
Porch	Open Porch
Deck Area	Deck Area

Location & Zoning

Account Number	210569
Street Address	691 COUNTY ROAD 642
City	CEDAR BLUFF
State	AL
Zip	35959-2184
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, WHISPERING PINES ESTATES, PB 11/68
Legal Range	10E
Legal Township	09S
Legal Section	26
Legal Subdivision	WHISPERING PINES ESTATES
Legal Lot Number	10
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2084
Census Tract	955701

Owner

691 Co Rd 642 is owned and occupied by an individual who bought it in September 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	691 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 25, 2020	Warranty Deed, Transfer · FHA Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Sep 14, 2015 · Amount on File
Deed Document Number	2020214393
Prior Transfer Date	Sep 11, 2015
Prior Transfer Doc	0000190209
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	691 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230971
Date	Oct 5, 2023
Instrument	230971

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 1, 2038

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 25, 2020
Property Address	691 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2184
Document Number	0000214393
Map Reference	PB 11 PG 68
Instrument Date	Sep 23, 2020
Instrument	214393
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	0000214394
Date	Sep 25, 2020
Instrument	214394

Lender

Name	ACOPIA LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 691 Co Rd 642 was $1,508 with a homeowner's exemption, up 7.3% from the year before.

Source: Cherokee County assessment roll, as of December 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
2026	$1,508.00 (+7.25%)
2025	$1,406.00 (+18.35%) Homeowner's exemption	$15,820 (+41.5%) Land $11,200 Building $4,620	$310,400 (+17.58%) Land $112,000 Building $198,400
2024	$1,188.00 Additional exemption filed	$11,180 (-57.68%) Land $10,000 Building $1,180	$264,000 (-) Land $100,000 Building $164,000
2023	$1,188.00 Homeowner's exemption	$26,420 (+136.31%)	$264,000 (-) Land $100,000 Building $164,000
2022	$1,188.00 Homeowner's exemption	$11,180 Land $10,000 Building $1,180	$264,000 Land $100,000 Building $164,000

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 691 Co Rd 642 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 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 691 Co Rd 642 is moderate, ranking above 63% 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 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.

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

Nearby Properties on Co Rd 642

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures