74 Co Rd 625, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 74 Co Rd 625, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,114 sqft · built 2008
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Apr 2024)
Tax Bill	$1,424 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2012 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-07-35-0-000-042.001`

Property Details

APN / Parcel Number

Primary APN	`13-10-07-35-0-000-042.001`
Alternative APNs	`ALT APN:1007350000042001` `219411` `218074` `29726`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,114 sqft Living Area
1st Floor Area	2,114 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	31,363 sqft (0.72 acres)
Garage Type	Carport
Garage Area	430 sqft
Carport	Carport
Carport Area	430 sqft
Porch	Porch
Porch Area	430 sqft

Location & Zoning

Account Number	219411
Street Address	74 COUNTY ROAD 625
City	CEDAR BLUFF
State	AL
Zip	35959-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOT 27, INDIAN ACRES S/D, PB 6/72;BEG @ THE NW COR SDLOT 27;S517;E39;N503;W90 TO POB
Legal Range	10E
Legal Township	09S
Legal Section	35
Legal Subdivision	INDIAN ACRES
Legal Lot Number	27
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	2
Census Block	2041
Census Tract	955701

Owner

74 Co Rd 625 is owned by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1955 E SHEDD RD, BREMEN, GA 30110-3619
Owner Type	Individual
Vesting	Husband 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
Aug 4, 2020	Deed of Trust, Mortgage · ARM ALABAMA TEACHERS CU
Feb 21, 2012	Deed of Trust, Mortgage FIRST FEDERAL BANK
Apr 13, 2012	Deed of Trust, Mortgage BLUE WORLD POOLS, INC.
Apr 15, 2024	Special Warranty Deed, Transfer · Conventional Mortgage NOBLEBANK & TRUST
Apr 15, 2024	Special Warranty Deed, Transfer
Aug 29, 2023	Special Warranty Deed, Foreclosure
Aug 29, 2023	Special Warranty Deed, Foreclosure
Jun 30, 2023	Foreclosure
Jun 30, 2023	Foreclosure
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on File
Deed Sale	Apr 15, 2024 · Amount on File
Prior Sale	Aug 29, 2023 · Amount on File
Deed Document Number	2024233266
Prior Transfer Date	Jun 27, 2023
Prior Transfer Doc	0000229730
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213470
Date	Aug 4, 2020
Instrument	213470

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	1.25%
Max Rate At Change	6.25%
Index	Other

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172811
Date	Feb 21, 2012
Instrument	172811

Lender

Name	FIRST FEDERAL BANK
Address	1300 MCFARLAND BLVD NE, TUSCALOOSA, AL 35406

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2042

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100

Mortgage

Document Number	0000173607
Date	Apr 13, 2012
Instrument	173607

Lender

Name	BLUE WORLD POOLS, INC.
Address	9120 DOUBLE DIAMOND PKWY, RENO, NV 89521

Agreement

Amount	Amount on Record
Term	132 Months
Due	Apr 29, 2023

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 15, 2024
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000233266
Map Reference	MB 6 PG 72
Instrument Date	Apr 9, 2024
Instrument	233266
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	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 E SHEDD RD, BREMEN, GA 30110-3619

Mortgage

Document Number	0000233267
Date	Apr 15, 2024
Instrument	233267

Lender

Name	NOBLEBANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 15, 2024
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000233266
Map Reference	MB 6 PG 72
Instrument Date	Apr 9, 2024
Instrument	233266
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 E SHEDD RD, BREMEN, GA 30110-3619

August 2023: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 29, 2023
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000230534
Map Reference	MB 6 PG 72
Instrument Date	Jul 24, 2023
Instrument	230534
Transaction Type	Foreclosure
Record Updated	Oct 9, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 PHILLIPS BLVD, EWING, NJ 08618-1430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1437, ST PETERSBURG, FL 33731-1437
Mail Care Of	LOAN GUARANTY SERVICE

August 2023: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 29, 2023
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000230534
Map Reference	MB 6 PG 72
Instrument Date	Jul 24, 2023
Instrument	230534
Transaction Type	Foreclosure
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 PHILLIPS BLVD, EWING, NJ 08618-1430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1437, ST PETERSBURG, FL 33731-1437
Mail Care Of	LOAN GUARANTY SERVICE

June 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2023
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000229730
Map Reference	PB 6 PG 72
Instrument Date	Jun 27, 2023
Instrument	229730
Transaction Type	Foreclosure
Record Updated	Aug 2, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PHILLIPS BLVD, EWING, NJ 08618-1430

June 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHEROKEE AL
Recording Date	Jun 30, 2023
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000229730
Map Reference	PB 6 PG 72
Instrument Date	Jun 27, 2023
Instrument	229730
Transaction Type	Foreclosure
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PHILLIPS BLVD, EWING, NJ 08618-1430

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 19, 2021
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000220979
Map Reference	PB 6 PG 72
Instrument Date	Oct 15, 2021
Instrument	220979
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

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	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100

Mortgage

Document Number	0000220980
Date	Oct 19, 2021
Instrument	220980

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 19, 2021
Property Address	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100
Document Number	0000220979
Map Reference	PB 6 PG 72
Instrument Date	Oct 15, 2021
Instrument	220979
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

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	74 COUNTY ROAD 625, CEDAR BLUFF, AL 35959-2100

Mortgage

Document Number	0000220980
Date	Oct 19, 2021
Instrument	220980

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 74 Co Rd 625 was $1,424, up 7% 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	$1,424.00 (+6.99%)
2025	$1,331.00 (-48.89%)	$9,960 (-80.96%) Land $8,400 Building $1,560	$283,100 (+2.17%) Land $84,000 Building $199,100
2024	$2,604.00 (+268.32%)	$52,320 (+247.41%) Land $15,000 Building $37,320	$277,100 (+267.99%) Land $75,000 Building $202,100
2023	$707.00 (-44.72%) Homeowner's exemption	$15,060 (+73.1%)	$75,300 (-73.44%) Land $75,000 Building $300
2022	$1,279.00 Homeowner's exemption	$8,700 Land $7,500 Building $1,200	$283,500 Land $75,000 Building $208,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 74 Co Rd 625 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 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 74 Co Rd 625 is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 71% of Alabama
Wildfire Likelihood	0.1% 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: AT&T, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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