701 Co Rd 481, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 701 Co Rd 481, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1,237 sqft · built 1974
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Feb 2020)
Tax Bill	$2,614 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-10-04-19-0-000-031.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-04-19-0-000-031.000`
Alternative APNs	`ALT APN:1004190000031000` `209222`

Interior

Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	1,237 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	95,832 sqft (2.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	236 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	209222
Street Address	701 COUNTY ROAD 481
City	CEDAR BLUFF
State	AL
Zip	35959-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR NW/4, W 150', N 290' TO CONTOUR LN & POB, N 377.5W 334', S 214.6' TO CONTOUR LN, SELY 350' ALG LN TO POB
Legal Range	10E
Legal Township	09S
Legal Section	19
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3058
Census Tract	955702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	701 COUNTY ROAD 481, CEDAR BLUFF, AL 35959-3204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES
Feb 4, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2020 · Amount on Record
Deed Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	2020210877
Prior Transfer Date	Jun 17, 2016
Prior Transfer Doc	0193728
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	701 COUNTY ROAD 481, CEDAR BLUFF, AL 35959-3204
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217315
Date	Mar 24, 2021
Instrument	217315

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 4, 2020
Property Address	701 COUNTY ROAD 481, CEDAR BLUFF, AL 35959-3204
Document Number	0000210877
Instrument Date	Jan 30, 2020
Instrument	210877
Transaction Type	Transfer
Record Updated	May 30, 2023

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	701 COUNTY ROAD 481, CEDAR BLUFF, AL 35959-3204

Mortgage

Document Number	0000210878
Date	Feb 4, 2020
Instrument	210878

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,614.00 (+6.96%)
2025	$2,444.00 (+6.21%)	$55,240 (+4.86%) Land $39,320 Building $15,920	$291,000 (+6.2%) Land $196,600 Building $94,400
2024	$2,301.00	$52,680 (-3.87%) Land $36,760 Building $15,920	$274,000 (-) Land $183,800 Building $90,200
2023	$2,301.00	$54,800 (+40.95%)	$274,000 (-) Land $183,800 Building $90,200
2022	$2,301.00	$38,880 Land $36,760 Building $2,120	$274,000 Land $183,800 Building $90,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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

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

Wildfire Risk	Moderate above 57% of the US · above 72% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 46 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: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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