Morgan County property record for 3105 Upper River Rd, Decatur, AL 35603
| Property Type | Other |
|---|---|
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $529,900 (Sep 2026) |
| Tax Bill | $365 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-01-11-0-001-006.003 |
| Primary APN | 12-01-11-0-001-006.003 |
|---|---|
| Alternative APNs |
|
| Lot Area | 65,340 sqft (1.5 acres) |
|---|
| Account Number | 154774 |
|---|---|
| Street Address | 3105 UPPER RIVER RD |
| City | DECATUR |
| State | AL |
| Zip | 35603-5509 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | BEG AT NE COR OF SEC 11,T6S,R4W TH SO 40' TO SO R/W OF UPPER RIVER RD, TH W ALG SO R/W 1067.6' TH SO 208.4', TO TPOB, TH CONT |
| Legal Range | 4W |
| Legal Township | 6S |
| Legal Section | 11 |
| Legal Subdivision | DEERE ROAD SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 4 |
| Census Block | 4034 |
| Census Tract | 5404 |
Source: Morgan County records, as of October 15, 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 3105 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 15, 2026 | Warranty Deed, Transfer · VA Mortgage HERITAGE MORTGAGE LLC |
| Jan 11, 2021 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Apr 13, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2026 · Amount on Record |
| Deed Sale | Sep 15, 2026 · Amount on Record |
| Prior Sale | Apr 13, 2026 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 2026 / 9434 |
| Prior Transfer Date | Nov 23, 2020 |
| Prior Transfer Doc | 2021000231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 15, 2026 |
| Property Address | 3105 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Document Number | 2026009434 |
| Book / Page | 2026 / 9434 |
| Instrument Date | Sep 14, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | HUNTER TITLE AGENCY, HUNTER TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53,519.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3105 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Document Number | 2026040473, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 2026/40473 |
| Name | HERITAGE MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 3105 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02021/1061 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 2021/1061 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | DECATUR, AL 35603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Apr 13, 2026 |
| Property Address | 3105 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Document Number | 2026003373 |
| Book / Page | 2026 / 3373 |
| Instrument Date | Apr 7, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,748.82 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 336 JAMES RECORD RD SW, HUNTSVILLE, AL 35824-1514 |
| Investor | Possibly a Property Investor |
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Municipality | Decatur City |
| Unified School District | Decatur City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $365.00 | $8,060 (+1%) Land $4,740 Building $3,320 | $40,300 (-) Land $23,700 Building $16,600 |
| 2024 | $4,030 (-5%) Land $2,370 Building $1,660 | $40,300 (-) Land $23,700 Building $16,600 | |
| 2023 | $365.00 (+26.3%) | $8,060 (-) Land $4,740 Building $3,320 | $40,300 (-) Land $23,700 Building $16,600 |
| 2022 | $289.00 | $8,060 Land $4,740 Building $3,320 | $40,300 Land $23,700 Building $16,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| FlashFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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