3165 E Upper River Rd, Somerville, AL 35670 Property Records

Morgan County property record for 3165 E Upper River Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,152 sqft · built 1992
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2025)
Tax Bill	$410 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-01-12-0-000-011.005`

Property Details

APN / Parcel Number

Primary APN	`11-01-12-0-000-011.005`
Alternative APNs	`105729` `22584`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	105729
Street Address	3165 E UPPER RIVER RD
City	SOMERVILLE
State	AL
Zip	35670-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF SW1/4 OF SW1/4 SEC 12-T6S-R3W, TH E 588.1' TO TPOB, TH N 365.5' TO SO R/W OF UPPER RIVER ROAD, TH SE 185.9',
Legal Range	3W
Legal Township	6S
Legal Section	12
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1025
Census Tract	5405

Owner

Source: Morgan County records · APN 11-01-12-0-000-011.005

Assessment roll updated June 19, 2026 · Last verified August 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	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Apr 14, 2025	Warranty Deed, Transfer EVABANK
Sep 11, 2018	Quit Claim Deed, Transfer · FHA Mortgage PLATINUM MORTGAGE INC
Sep 11, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 28, 2005	Warranty Deed, Transfer · Conventional Mortgage HOMECOMINGS FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2025 · Amount on Record
Deed Sale	Apr 14, 2025 · Amount on Record
Prior Sale	Dec 14, 2023 · Amount on Record
Deed Book / Page	2025 / 2976
Prior Transfer Date	Aug 27, 2018
Prior Transfer Doc	2018/28852
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Recording Date	Jul 20, 2026
Property Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Document Number	2026031320
Book / Page	2026 / 31320
Instrument Date	Jul 14, 2026
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

Mortgage

Document Number	2026031320,
Date	Jul 20, 2026
Book Page	2026/31320

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Apr 14, 2025
Property Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Document Number	02025/2976
Book / Page	2025 / 2976
Instrument Date	Apr 10, 2025
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	50 LYLE DR, DECATUR, AL 35603-6147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

Mortgage

Document Number	2025/12593
Date	Apr 14, 2025
Book Page	2025/12593

Lender

Name	EVABANK
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 10, 2045

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORGAN AL
Recording Date	Sep 11, 2018
Property Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Document Number	2018/07824
Book / Page	2018 / 07824
Instrument Date	Aug 27, 2018
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$7.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

Mortgage

Document Number	2018/28852
Date	Sep 11, 2018
Book Page	2018/28852

Lender

Name	PLATINUM MORTGAGE INC
Type	Mortgage Company
Address	MADISON, AL 35758

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORGAN AL
Recording Date	Sep 11, 2018
Property Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Document Number	2018/07824
Book / Page	2018 / 07824
Instrument Date	Aug 27, 2018
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Amount	Amount Recorded
Tax	$7.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3165 E UPPER RIVER RD, 3165, SOMERVILLE, AL 35670-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

November 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Nov 28, 2005
Property Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016
Document Number	2005/09306
Book / Page	2005 / 09306
Instrument Date	Nov 22, 2005
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$3.50
Amount Accuracy	Partially Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3165 E UPPER RIVER RD, SOMERVILLE, AL 35670-3016

Mortgage

Document Number	2005/66078
Date	Nov 28, 2005
Book Page	2005/66078

Lender

Name	HOMECOMINGS FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	FORT LAUDERDALE, FL 33334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2035

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified August 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	$410.00 (+14.85%) Homeowner's exemption	$10,970 (-) Land $1,670 Building $9,300	$109,700 (-) Land $16,700 Building $93,000
2024		$10,970 (-) Land $1,670 Building $9,300	$109,700 (-) Land $16,700 Building $93,000
2023	$357.00 (+6.57%) Homeowner's exemption	$10,970 (+5.48%) Land $1,670 Building $9,300	$109,700 (+5.48%) Land $16,700 Building $93,000
2022	$335.00 Homeowner's exemption	$10,400 Land $1,520 Building $8,880	$104,000 Land $15,200 Building $88,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

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