3103 Upper River Rd, Decatur, AL 35603 Property Records

Morgan County property record for 3103 Upper River Rd, Decatur, AL 35603

Property Summary

Property Type	Vacant Land
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$519,900 (Sep 2026)
Tax Bill	$128 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-01-11-0-001-006.004`

Property Details

APN / Parcel Number

Primary APN	`12-01-11-0-001-006.004`
Alternative APNs	`11213428` `204487`

Exterior

Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	379 ft deep x 100 ft wide

Location & Zoning

Account Number	11213428
Street Address	3103 UPPER RIVER RD
City	DECATUR
State	AL
Zip	35603-5509
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Range	4W
Legal Township	6S
Legal Section	11
Legal Subdivision	DEERE ROAD SUBDIVISION
Legal Lot Number	2
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4034
Census Tract	5404

Owner

Source: Morgan County records, as of October 16, 2026

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	3103 UPPER RIVER RD, DECATUR, AL 35603-5509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Warranty Deed, Subdivision Related Transfer · VA Mortgage HERITAGE MORTGAGE LLC
Sep 24, 2026	Warranty Deed, Subdivision Related Transfer NONE LISTED ON DOCUMENT
Jan 8, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Sep 22, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2026 / 9774
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Sep 22, 2026
Property Address	3103 UPPER RIVER RD, DECATUR, AL 35603-5509
Document Number	2026009659
Book / Page	2026 / 9659
Instrument Date	Sep 21, 2026
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2026
Title Company	HUNTER TITLE AGENCY, HUNTER TITLE

Transaction

Amount	Amount Recorded
Tax	$52,509.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 UPPER RIVER RD, DECATUR, AL 35603-5509

Mortgage

Document Number	2026041440,
Date	Sep 22, 2026
Book Page	2026/41440

Lender

Name	HERITAGE MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

Mortgage

Document Number	2026041741,
Date	Sep 24, 2026
Book Page	2026/41741

Lender

Name	HERITAGE MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Sep 24, 2026
Property Address	3103 UPPER RIVER RD, DECATUR, AL 35603-5509
Document Number	2026009774
Book / Page	2026 / 9774
Instrument Date	Sep 21, 2026
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$52,509.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 UPPER RIVER RD, DECATUR, AL 35603-5509

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jan 8, 2026
Property Address	3103 UPPER RIVER RD, DECATUR, AL 35603-5509
Document Number	002026/162
Book / Page	2026 / 162
Map Reference	MB 2021 PG 34
Instrument Date	Jan 6, 2026
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 MADISON AVE, NEW YORK, NY 10022-4205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 JAMES RECORD RD SW, HUNTSVILLE, AL 35824-1514
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$128.00	$2,840 (-) Land $2,840
2023	$128.00	$2,840 (-) Land $2,840	$14,200 (-) Land $14,200
2022	$128.00	$2,840 Land $2,840	$14,200 Land $14,200

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 July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 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	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	DECATUR, MUNICIPAL UB OF serves 77,103 people · EPA ID AL0001084
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
FlashFiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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