Cherokee County property record for 945 Co Rd 642, Cedar Bluff, AL 35959
| Property Type | Single Family Home |
|---|---|
| Details | 2,480 sqft · built 2006 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,233 (2025) |
| Deeds & Mortgages | Oct 2017 Second Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-10-07-26-0-000-121.017 |
| Primary APN | 13-10-07-26-0-000-121.017 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,480 sqft Living Area |
| Upper Floors Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,120 sqft |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 14956 |
|---|---|
| Street Address | 945 COUNTY ROAD 642 |
| City | CEDAR BLUFF |
| State | AL |
| Zip | 35959-2191 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17, WHISPERING PINES ESTATES, PB 11/68 |
| Legal Subdivision | WHISPERING PINES ESTATES |
| Legal Lot Number | 17 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CEDAR BLUFF-GAYLESVILLE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 955701 |
Source: Cherokee County records, as of November 26, 2025
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 | 945 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2191 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 945 COUNTY ROAD 642, CEDAR BLUFF, AL 35959-2191 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000200170 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | 200170 |
| Name | WELLS FARGO BANK AN |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,233.00 (-11.17%) Additional exemption filed | $32,800 (+3.8%) Land $11,200 Building $21,600 | $355,100 (+3.5%) Land $112,000 Building $243,100 |
| 2024 | $1,388.00 (-3.68%) Additional exemption filed | $31,600 (-7.93%) Land $10,000 Building $21,600 | $343,100 (-) Land $100,000 Building $243,100 |
| 2023 | $1,441.00 | $34,320 (+169.81%) | $343,100 (-) Land $100,000 Building $243,100 |
| 2022 | $1,441.00 | $12,720 Land $10,000 Building $2,720 | $343,100 Land $100,000 Building $243,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 68% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 53 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: Xfinity.
5G (outdoors only) and 4G LTE
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