840 Co Rd 686, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 840 Co Rd 686, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,776 sqft · built 1999
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2022)
Tax Bill	$1,507 (2026)
Deeds & Mortgages	Mar 2022 Sale Mar 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-06-23-0-000-034.006`

Property Details

APN / Parcel Number

Primary APN	`13-09-06-23-0-000-034.006`
Alternative APNs	`ALT APN:0906230000034006` `203579` `214629`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,084 sqft
Upper Floors Area	692 sqft
Basement Area	988 sqft
Finished Basement	988 sqft
Unfinished Basement	988 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	288 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	214629
Street Address	840 COUNTY ROAD 686
City	CEDAR BLUFF
State	AL
Zip	35959-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24, LITTLE RIVER MOUTH SD ADD # 2, PB 9PG 2
Legal Range	09E
Legal Township	09S
Legal Section	23
Legal Subdivision	LITTLE RIVER MOUTH
Legal Lot Number	24
Jurisdiction	CHEROKEE AL
Township / Civil Division	LEESBURG
Census Block Group	3
Census Block	3044
Census Tract	955802

Owner

840 Co Rd 686 is owned by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	183 CANDY KITCHEN RD, BREMEN, GA 30110-4505
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
Mar 23, 2022	Warranty Deed, Transfer
Mar 23, 2022	Warranty Deed, Transfer
Jan 23, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage LEGACY COMMUNITY FEDERAL CREDIT UNION
Jan 23, 2017	Warranty Deed, Transfer
Jan 23, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on File
Deed Sale	Mar 23, 2022 · Amount on File
Prior Sale	Jan 23, 2017 · Amount on File
Deed Document Number	2022223400
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 23, 2022
Property Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007
Document Number	0000223400
Map Reference	PB 9 PG 2
Instrument Date	Mar 22, 2022
Instrument	223400
Transaction Type	Transfer
Record Updated	Apr 20, 2022

Transaction

Amount	Amount 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	183 CANDY KITCHEN RD, BREMEN, GA 30110-4505

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Mar 23, 2022
Property Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007
Document Number	0000223400
Map Reference	PB 9 PG 2
Instrument Date	Mar 22, 2022
Instrument	223400
Transaction Type	Transfer
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 CANDY KITCHEN RD, BREMEN, GA 30110-4505

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 23, 2017
Property Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007
Document Number	0000196452
Instrument Date	Jan 19, 2017
Instrument	0196452
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	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007

Mortgage

Document Number	0000196453
Date	Jan 23, 2017
Instrument	0196453

Lender

Name	LEGACY COMMUNITY FEDERAL CREDIT UNION
Type	Credit Union
Address	BIRMINGHAM, AL 35205

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 23, 2017
Property Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007
Document Number	019652
Instrument Date	Jan 19, 2017
Instrument	019652
Transaction Type	Transfer
Record Updated	Dec 13, 2021

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	840 COUNTY ROAD 686, 840, CEDAR BLUFF, AL 35959-4007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jan 23, 2017
Property Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007
Document Number	0000019652
Instrument Date	Jan 19, 2017
Instrument	019652
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	840 COUNTY ROAD 686, CEDAR BLUFF, AL 35959-4007

Tax Assessment & Valuation

The 2026 property tax bill for 840 Co Rd 686 was $1,507, 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
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,507.00 (+6.96%)
2025	$1,409.00 (+1.81%)	$30,340 (+153.26%) Land $9,360 Building $20,980	$335,600 (+1.85%) Land $93,600 Building $242,000
2024	$1,384.00 (-0.79%)	$11,980 (-63.94%) Land $8,760 Building $3,220	$329,500 (-0.72%) Land $87,500 Building $242,000
2023	$1,395.00 (+49.04%) Additional exemption filed	$33,220 (+193.46%)	$331,900 (+22.38%) Land $87,500 Building $244,400
2022	$936.00 Additional exemption filed	$11,320 Land $8,760 Building $2,560	$271,200 Land $87,500 Building $183,700

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 840 Co Rd 686 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 11 policies
Nearby Flood Policies	11 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

Wildfire risk around 840 Co Rd 686 is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.07% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Co Rd 686

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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