Morgan County property record for 3114 Upper River Rd, Decatur, AL 35603
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,885 sqft · built 1959 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,068 (Dec 2020) |
| Tax Bill | $747 (2025) |
| Deeds & Mortgages | Dec 2016 Mortgage Dec 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-01-02-0-000-010.000 |
| Primary APN | 12-01-02-0-000-010.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,885 sqft Living Area |
| 1st Floor Area | 1,885 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Utility Building | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 153430 |
|---|---|
| Street Address | 3114 UPPER RIVER RD |
| City | DECATUR |
| State | AL |
| Zip | 35603-5508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 690' W & 37' N OF SE COR OF SE1/4 SEC 2 T6S R4W TH N 181.5' W 330' SO 181.5' E 330' TO POB |
| Legal Range | 4W |
| Legal Township | 6S |
| Legal Section | 02 |
| Legal Lot Number | 7 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 3 |
| Census Block | 3068 |
| Census Tract | 5404 |
3114 Upper River Rd is owned and occupied by an individual who bought it in December 2020.
Source: Morgan County records, as of July 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3114 UPPER RIVER RD, DECATUR, AL 35603-5508 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2016 | Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA |
| Dec 11, 2020 | Warranty Deed, Transfer LAW FIRM TITLE CLOSING SERVICES, LAW FIRM TTL & CLOSING SVCS |
| Sep 13, 2013 | Warranty Deed, Transfer · Line of Credit TRADITION BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on File |
| Deed Sale | Dec 11, 2020 · Amount on File |
| Prior Sale | Sep 13, 2013 · Amount on File |
| Deed Book / Page | 2020 / 11659 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 3114 UPPER RIVER RD, DECATUR, AL 35603-5508 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2016/40420 |
|---|---|
| Date | Dec 9, 2016 |
| Book Page | 2016/40420 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Nov 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Dec 11, 2020 |
| Property Address | 3114 UPPER RIVER RD, DECATUR, AL 35603-5508 |
| Document Number | 2020/11659 |
| Book / Page | 2020 / 11659 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Title Company | LAW FIRM TITLE CLOSING SERVICES, LAW FIRM TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 COUNTY ROAD 1335, VINEMONT, AL 35179-6738 |
| Name | Verified Name |
|---|---|
| Address | 3114 UPPER RIVER RD, DECATUR, AL 35603-5508 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 13, 2013 |
| Property Address | 3114 UPPER RIVER RD, DECATUR, AL 35603-5508 |
| Document Number | 2013/07298 |
| Book / Page | 2013 / 07298 |
| Instrument Date | Sep 9, 2013 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3119 UPPER RIVER RD, DECATUR, AL 35603-5509 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2951 COUNTY ROAD 173, MOULTON, AL 35650-5523 |
| Investor | Possibly a Property Investor |
| Document Number | 2013/35989 |
|---|---|
| Date | Sep 13, 2013 |
| Book Page | 2013/35989 |
| Name | TRADITION BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | SOMERVILLE, AL 35670 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3114 Upper River Rd was $747 with a homeowner's exemption.
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 | $747.00 | $17,550 (-) Land $2,370 Building $15,180 | $175,500 (-) Land $23,700 Building $151,800 |
| 2024 | $17,550 (-) Land $2,370 Building $15,180 | $175,500 (-) Land $23,700 Building $151,800 | |
| 2023 | $747.00 Homeowner's exemption | $17,550 (-) Land $2,370 Building $15,180 | $175,500 (-) Land $23,700 Building $151,800 |
| 2022 | $747.00 Homeowner's exemption | $17,550 Land $2,370 Building $15,180 | $175,500 Land $23,700 Building $151,800 |
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.
FEMA maps place 3114 Upper River Rd 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 July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 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 risk around 3114 Upper River Rd is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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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