70 Co Rd 251, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 70 Co Rd 251, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,560 sqft · built 1998
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (Aug 2013)
Deeds & Mortgages	Dec 2020 Reverse Mortgage Dec 2020 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-05-22-0-000-019.002`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-22-0-000-019.002`
Alternative APNs	`ALT APN:1005220000019002` `27187`

Interior

Stories	1 Story
Building Area	1,560 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	36,155 sqft (0.83 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft

Location & Zoning

Account Number	27187
Street Address	70 COUNTY ROAD 251
City	CEDAR BLUFF
State	AL
Zip	35959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM @ SW COR;N183 TO POB;E239;N183;S159;S200 TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1008
Census Tract	955701

Owner

70 Co Rd 251 is owned and occupied by an individual who bought it in August 2013.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	70 COUNTY ROAD 251, CEDAR BLUFF, AL 35959
Occupancy	Owner Occupied
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
Dec 8, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 8, 2020	Deed of Trust, Mortgage · Reverse Mortgage HUD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2013 · Amount on File
Deed Sale	Aug 9, 2013 · Amount on File
Deed Document Number	180452
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	70 COUNTY ROAD 251, CEDAR BLUFF, AL 35959
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215560
Date	Dec 8, 2020
Instrument	215560

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	LIBOR

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	70 COUNTY ROAD 251, CEDAR BLUFF, AL 35959
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215561
Date	Dec 8, 2020
Instrument	215561

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	LIBOR

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 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
2025	Additional exemption filed	$16,000 Land $620 Building $15,380	$168,600 Land $6,200 Building $162,400
2023	Additional exemption filed	$16,420	$163,900 Land $5,500 Building $158,400

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

Flood

FEMA maps place 70 Co Rd 251 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · other causes

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 70 Co Rd 251 is moderate, ranking above 69% 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 69% of the US · above 91% 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.

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 251

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