1401 E Upper River Rd, Decatur, AL 35603 Property Records

Morgan County property record for 1401 E Upper River Rd, Decatur, AL 35603 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,042 sqft · built 1977
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$549,900 (Nov 2023)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-02-04-0-000-005.000`

Property Details

APN / Parcel Number

Primary APN	`11-02-04-0-000-005.000`
Alternative APNs	`163861` `22621`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,042 sqft Living Area
1st Floor Area	2,639 sqft
Basement Area	533 sqft
Unfinished Basement	533 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	163861
Street Address	1401 E UPPER RIVER RD
City	DECATUR
State	AL
Zip	35603-5917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 SW1/4 BEG AT INT SE LINE CO RD 40 & SO LINE SD FORTY, TH E 650.22' 500'S, TH NW 302.18' 225'S TO SE ROW CO RD, TH SW
Legal Range	3W
Legal Township	6S
Legal Section	04
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4000
Census Tract	5404

Owner

Source: Morgan County records · APN 11-02-04-0-000-005.000

Assessment roll updated June 19, 2026 · Last verified July 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 File
Mailing Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2026	Deed of Trust, Mortgage · VA Mortgage REGIONS BANK
Nov 17, 2023	Deed of Trust, Mortgage · VA Mortgage REGIONS BANK
Nov 17, 2023	Warranty Deed, Transfer · VA Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Aug 14, 2015 · Amount on Record
Deed Book / Page	2023 / 10176
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Recording Date	Apr 06, 2026
Property Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Document Number	2026014249
Book / Page	2026 / 14249
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Investor	Possibly a Property Investor

Mortgage

Document Number	2026014249,
Date	Apr 06, 2026
Book Page	2026/14249

Lender

Name	REGIONS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 HOLLY SPRINGS DR, MADISON, AL 35758-6107
Investor	Possibly a Property Investor

Mortgage

Document Number	2023/37181
Date	Nov 17, 2023
Book Page	2023/37181

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Nov 17, 2023
Property Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Document Number	2023/10176
Book / Page	2023 / 10176
Map Reference	MB 6 PG 64&65
Instrument Date	Nov 17, 2023
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
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	1126 CURRY CHAPEL RD, SOMERVILLE, AL 35670-3521

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1401 E UPPER RIVER RD, DECATUR, AL 35603-5917
Investor	Possibly a Property Investor

Mortgage

Document Number	0202337181
Date	Nov 17, 2023
Instrument	2023/37181

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,419.00 (+27.15%) Homeowner's exemption	$37,920 (+21.34%) Land $2,090 Building $35,830	$379,200 (+21.34%) Land $20,900 Building $358,300
2024	$1,116.00 (+0.09%)	$31,250 (-) Land $1,900 Building $29,350	$312,500 (-) Land $19,000 Building $293,500
2023	$1,115.00 Homeowner's exemption	$31,250 (-) Land $1,900 Building $29,350	$312,500 (-) Land $19,000 Building $293,500
2022	$1,115.00 Homeowner's exemption	$31,250 Land $1,900 Building $29,350	$312,500 Land $19,000 Building $293,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Morgan County (01103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 011030054044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
Nearby Flood Policies	23 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 8% of Alabama
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
FlashFiber	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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