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

Morgan County property record for 395 E Upper River Rd, Decatur, AL 35603 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,084 sqft · built 1981
Lot Size	0.427 acres (18,630 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jul 2023)
Tax Bill	$464 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-03-07-0-000-031.000`

Property Details

APN / Parcel Number

Primary APN	`11-03-07-0-000-031.000`
Alternative APNs	`596520` `22880`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,630 sqft (0.427 acres)
Lot Dimensions	162 ft deep x 115 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	596520
Street Address	395 E UPPER RIVER RD
City	DECATUR
State	AL
Zip	35603-5485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5, SANDY ACRES S/D; PLAT 6, PG 90; SEC 7, T6S, R3W
Legal Range	3W
Legal Township	6S
Legal Section	07
Legal Subdivision	SANDY ACRES S/D
Legal Lot Number	5
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4015
Census Tract	5404

Owner

Source: Morgan County records · APN 11-03-07-0-000-031.000

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	354 RIVERVIEW DR, DECATUR, AL 35603-6014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 05, 2023	Deed, Transfer · Conventional Mortgage RIVER BANK & TRUST
Jul 05, 2023	Deed, Transfer · Conventional Mortgage RIVER BANK & TRUST
May 08, 2023	Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 05, 2023 · Amount on Record
Deed Sale	Jul 05, 2023 · Amount on Record
Prior Sale	May 08, 2023 · Amount on Record
Deed Book / Page	2023 / 5776
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 05, 2023
Property Address	395 E UPPER RIVER RD, DECATUR, AL 35603-5485
Document Number	02023/5776
Book / Page	2023 / 5776
Map Reference	MB 6 PG 90
Instrument Date	Jun 30, 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	174 DERWENT LN NW, HUNTSVILLE, AL 35810-6203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 RIVERVIEW DR, DECATUR, AL 35603-6014

Mortgage

Document Number	0202320922
Date	Jul 05, 2023
Instrument	2023/20922

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2053

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 05, 2023
Property Address	395 E UPPER RIVER RD, DECATUR, AL 35603-5485
Document Number	02023/5776
Book / Page	2023 / 5776
Map Reference	MB 6 PG 90
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	174 DERWENT LN NW, HUNTSVILLE, AL 35810-6203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 RIVERVIEW DR, DECATUR, AL 35603-6014

Mortgage

Document Number	2023/20922
Date	Jul 05, 2023
Book Page	2023/20922

Lender

Name	RIVER BANK & TRUST
Type	Bank
Address	MOBILE, AL 36608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2053

May 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	MORGAN AL
Recording Date	May 08, 2023
Property Address	395 E UPPER RIVER RD, DECATUR, AL 35603-5485
Document Number	02023/3837
Book / Page	2023 / 3837
Map Reference	MB 6 PG 9
Instrument Date	May 25, 2004
Transaction Type	Foreclosure
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	395 E UPPER RIVER RD, DECATUR, AL 35603-5485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 DERWENT LN NW, HUNTSVILLE, AL 35810-6203

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
Municipality	Priceville City
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	$464.00 (+4.27%)	$13,850 (+3.9%) Land $3,630 Building $10,220	$138,500 (+3.9%) Land $36,300 Building $102,200
2024		$13,330 (-35.54%) Land $3,300 Building $10,030	$133,300 (+28.92%) Land $33,000 Building $100,300
2023	$445.00 (+33.63%)	$20,680 (+1%) Land $3,600 Building $17,080	$103,400 (-) Land $18,000 Building $85,400
2022	$333.00 Homeowner's exemption	$10,340 Land $1,800 Building $8,540	$103,400 Land $18,000 Building $85,400

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 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 138 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
FlashFiber	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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