891 Co Rd 1008, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 891 Co Rd 1008, Cedar Bluff, AL 35959

Property Summary

Property Type	Vacant Land
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Tax Bill	$88 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-12-02-03-0-000-002.000`

Property Details

APN / Parcel Number

Primary APN	`13-12-02-03-0-000-002.000`
Alternative APNs	`ALT APN:1202030000002000` `219876` `6258`

Exterior

Lot Area	27,443 sqft (0.63 acres)

Location & Zoning

Account Number	219876
Street Address	891 COUNTY ROAD 1008
City	CEDAR BLUFF
State	AL
Zip	35959-4905
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	ALL THAT PT OF A PRIVATE 30' ROW DESIGNATED AS THOMAS ROADBALLPLAY CREEK SUB 15/19
Legal Range	11E
Legal Township	10S
Legal Section	03
Legal Subdivision	THOMAS ROADBALLPLAY CREEK
Legal Phase	1
Legal Lot Number	44
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3022
Census Tract	955701

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	Individual Name on Record
Mailing Address	175 COUNTY ROAD 840, GAYLESVILLE, AL 35973-2155
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Aug 15, 2024	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 1996
Deed Sale	Feb 12, 1996
Deed Book / Page	257 / 106
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	891 COUNTY ROAD 1008, CEDAR BLUFF, AL 35959-4905
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217286
Date	Mar 23, 2021
Instrument	217286

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Aug 15, 2024
Property Address	891 COUNTY ROAD 1008, CEDAR BLUFF, AL 35959-4905
Document Number	0000235159
Map Reference	MB 15 PG 19
Instrument Date	Aug 9, 2024
Instrument	235159
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	183 TWON RUN XING NW, CARTERSVILLE, GA 30120-4331

Mortgage

Document Number	0000235160
Date	Aug 15, 2024
Instrument	235160

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

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	$88.00 (+4.76%)
2025	$84.00 (+7.69%)	$2,000 (+6.38%) Land $2,000	$10,500 (+11.7%) Land $10,500
2024	$78.00	$1,880 (-) Land $1,880	$9,400 (-) Land $9,400
2023	$78.00	$1,880 (-)	$9,400 (-) Land $9,400
2022	$78.00	$1,880 Land $1,880	$9,400 Land $9,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearby Flood Policies	5 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 47% of the US · above 53% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Co Rd 1008

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