995 Co Rd 509, Cedar Bluff, AL 35959 Property Records

Cherokee County property record for 995 Co Rd 509, Cedar Bluff, AL 35959

Property Summary

Property Type	Mobile Home
Details	1,568 sqft · built 1989
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Dec 2020)
Tax Bill	$805 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-05-21-0-000-022.000`

Property Details

APN / Parcel Number

Primary APN	`13-10-05-21-0-000-022.000`
Alternative APNs	`ALT APN:1005210000022000` `211177`

Interior

Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Mobile Home
Lot Area	37,026 sqft (0.85 acres)
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	211177
Street Address	995 COUNTY ROAD 509
City	CEDAR BLUFF
State	AL
Zip	35959-3125
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 6, CORNWALL SBD, # 2 PB 7/20
Legal Range	10E
Legal Township	09S
Legal Section	21
Legal Subdivision	CORNWALL
Legal Lot Number	6
Jurisdiction	CHEROKEE AL
Township / Civil Division	CEDAR BLUFF-GAYLESVILLE
Census Block Group	1
Census Block	1010
Census Tract	955701

Owner

995 Co Rd 509, a mobile home, is owned by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	383 AMBERIDGE DR SE, CARTERSVILLE, GA 30121-7344
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
Dec 21, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKERS SOLUTIONS INC
Feb 13, 2020	Warranty Deed, Transfer · Seller Carry-Back JOHN HORTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on File
Deed Sale	Dec 21, 2020 · Amount on File
Prior Sale	Feb 13, 2020 · Amount on File
Deed Document Number	2020215813
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Dec 21, 2020
Property Address	995 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3125
Document Number	0000215813
Map Reference	PB 7 PG 20
Instrument Date	Dec 17, 2020
Instrument	215813
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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000215815
Date	Dec 21, 2020
Instrument	215815

Lender

Name	BROKERS SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 13, 2020
Property Address	995 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3125
Document Number	0000211017
Map Reference	PB 7 PG 20
Instrument Date	Feb 12, 2020
Instrument	211017
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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 DEBALL DR, HENAGAR, AL 35978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 COUNTY ROAD 509, CEDAR BLUFF, AL 35959-3125
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211018
Date	Feb 13, 2020
Instrument	211018

Lender

Name	JOHN HORTON
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 995 Co Rd 509 was $805, up 6.1% 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	$805.00 (+6.06%)
2025	$759.00 (+4.55%)	$14,800 (+6.63%) Land $13,920 Building $880	$90,400 (+4.51%) Land $69,600 Building $20,800
2024	$726.00 (-0.82%)	$13,880 (-20.41%) Land $13,000 Building $880	$86,500 (-0.8%) Land $65,000 Building $21,500
2023	$732.00 (-0.68%)	$17,440 (+25.65%)	$87,200 (-0.68%) Land $65,000 Building $22,200
2022	$737.00	$13,880 Land $13,000 Building $880	$87,800 Land $65,000 Building $22,800

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 995 Co Rd 509 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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · other causes

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 995 Co Rd 509 is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 79% of Alabama
Wildfire Likelihood	0.2% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 509

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