90 Co Rd 995, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 90 Co Rd 995, Cedar Bluff, AL 35959

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,764 sqft · built 2023
Lot Size	0.729 acres (31,769 sqft)
Owner	Individual Name on Record
Last Sale	$236,000 (Jun 2016)
Tax Bill	$1,322 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Jul 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-09-31-0-000-037.008`

Property Details

APN / Parcel Number

Primary APN	`13-11-09-31-0-000-037.008`
Alternative APNs	`ALT APN:1109310000037008` `31071`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	31,769 sqft (0.729 acres)
Garage Type	Mixed
Garage Area	280 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	120 sqft
Deck Area	392 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	31071
Street Address	90 COUNTY ROAD 995
City	CEDAR BLUFF
State	AL
Zip	35959-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 RIVER RIDGE ESTATES SUBD PB 9 PG 49
Legal Range	11E
Legal Township	09S
Legal Section	31
Legal Subdivision	RIVER RIDGE ESTATES
Legal Lot Number	7
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	3
Census Block	3045
Census Tract	955701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
Jul 15, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ISERVE RESIDENTIAL LENDING LLC
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ISERVE RESIDENTIAL LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2016 · Amount on Record
Deed Sale	Jun 9, 2016 · Amount on Record
Prior Sale	Mar 27, 2006 · Amount on Record
Deed Document Number	2016193524
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453

Mortgage

Document Number	0000239475
Date	Jul 15, 2025
Instrument	239475

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453

Mortgage

Document Number	0000239475
Date	Jul 15, 2025
Instrument	239475

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453

Mortgage

Document Number	0000233111
Date	Apr 3, 2024
Instrument	233111

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 29, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218000
Date	May 5, 2021
Instrument	218000

Lender

Name	ISERVE RESIDENTIAL LENDING LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453

Mortgage

Document Number	0000233111
Date	Apr 3, 2024
Instrument	233111

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 29, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	90 COUNTY ROAD 995, CEDAR BLUFF, AL 35959-2453
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	218000
Date	May 5, 2021
Instrument	218000

Lender

Name	ISERVE RESIDENTIAL LENDING LLC
Type	Funding / Finance Company

Agreement

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

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	$1,322.00 (+7.13%)
2025	$1,234.00 (+38.19%)	$31,120 (+46.24%) Land $9,800 Building $21,320	$355,300 (+233.93%) Land $98,000 Building $257,300
2024	$893.00 (-23.08%)	$21,280 (+5.56%) Land $17,500 Building $3,780	$106,400 (-63.17%) Land $87,500 Building $18,900
2023	$1,161.00 Homeowner's exemption	$20,160 (+961.05%)	$288,900 (-) Land $87,500 Building $201,400
2022	$1,161.00 Homeowner's exemption	$1,900 Building $1,900	$288,900 Land $87,500 Building $201,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 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.

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 995

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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