Morgan County property record for 40 Cypress Dr, Decatur, AL 35603
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,766 sqft · built 2007 |
| Lot Size | 0.354 acres (15,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Sep 2021) |
| Tax Bill | $796 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2025 Second Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-01-01-0-000-002.011 |
| Primary APN | 12-01-01-0-000-002.011 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,766 sqft Living Area |
| 1st Floor Area | 1,766 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,424 sqft (0.354 acres) |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 124694 |
|---|---|
| Street Address | 40 CYPRESS DR |
| City | DECATUR |
| State | AL |
| Zip | 35603-5915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4, CYPRESS COVE SUBDIVISION ADDITION NO. 1 MB 2006 PG 24 SEC 1, T6S, R4W |
| Legal Range | 4W |
| Legal Township | 6S |
| Legal Section | 01 |
| Legal Subdivision | CYPRESS COVE S/D ADDITION 1 |
| Legal Lot Number | 4 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 5404 |
Source: Morgan County records, as of July 2, 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 Record |
|---|---|
| Mailing Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage COLTE MORTGAGE |
| Oct 27, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage REDSTONE FCU |
| Sep 5, 2007 | Deed of Trust, Mortgage GOBBLEFITE LUMBER CO INC |
| Sep 5, 2007 | Deed of Trust, Mortgage CYPRESS COVE DEVELOPMENT LLC |
| Nov 28, 2012 | Deed of Trust, Mortgage · FHA Mortgage EVERBANK.COM |
| Sep 27, 2021 | Warranty Deed, Transfer · FHA Mortgage COLTEN MORTGAGE |
| Jan 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage PLATINUM MORTGAGE INC |
| Apr 25, 2008 | Corporation Deed, Subdivision Related Transfer · FHA Mortgage NEW SOUTH FSB |
| Sep 5, 2007 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2021 · Amount on Record |
| Deed Sale | Sep 27, 2021 · Amount on Record |
| Prior Sale | Jan 30, 2017 · Amount on Record |
| Deed Book / Page | 2021 / 10127 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2021/67780 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 2021/67780 |
| Name | COLTE MORTGAGE |
|---|---|
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2025/43065 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 2025/43065 |
| Name | REDSTONE FCU |
|---|---|
| Type | Credit Union |
| Address | HUNTSVILLE, AL 35893 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2007/49387 |
|---|---|
| Date | Sep 5, 2007 |
| Book Page | 2007/49387 |
| Name | GOBBLEFITE LUMBER CO INC |
|---|---|
| Address | DECATUR, AL 35601 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2007/49390 |
|---|---|
| Date | Sep 5, 2007 |
| Book Page | 2007/49390 |
| Name | CYPRESS COVE DEVELOPMENT LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 4, 2008 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2012/44466 |
|---|---|
| Date | Nov 28, 2012 |
| Book Page | 2012/44466 |
| Name | EVERBANK.COM |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 27, 2021 |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 2021/10127 |
| Book / Page | 2021 / 10127 |
| Map Reference | MB 2006 PG 24 |
| Instrument Date | Sep 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1711 COUNTY ROAD 336, DANVILLE, AL 35619-7501 |
| Name | Verified Name |
|---|---|
| Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Investor | Possibly a Property Investor |
| Document Number | 0202154003 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021/54003 |
| Name | COLTEN MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Jan 30, 2017 |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 2017/00881 |
| Book / Page | 2017 / 00881 |
| Map Reference | MB 2006 PG 24 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2720 OLD RIVER RD SE, DECATUR, AL 35603-5544 |
| Name | Verified Name |
|---|---|
| Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 0201703265 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 2017/03265 |
| Name | PLATINUM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Apr 25, 2008 |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 2008/02773 |
| Book / Page | 2008 / 02773 |
| Map Reference | MB2006 PG24 |
| Instrument Date | Apr 24, 2008 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $18.00 |
| Amount Accuracy | Partially Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 0200819126 |
|---|---|
| Date | Apr 25, 2008 |
| Instrument | 2008/19126 |
| Name | NEW SOUTH FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 5, 2007 |
| Property Address | 40 CYPRESS DR, DECATUR, AL 35603-5915 |
| Document Number | 2007/07330 |
| Book / Page | 2007 / 07330 |
| Map Reference | MB 2006 PG24 |
| Instrument Date | Sep 4, 2007 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $796.00 (+1.92%) | $22,710 (+1.75%) Land $2,750 Building $19,960 | $227,100 (+1.75%) Land $27,500 Building $199,600 |
| 2024 | $22,320 (-1.06%) Land $2,500 Building $19,820 | $223,200 (-1.06%) Land $25,000 Building $198,200 | |
| 2023 | $781.00 (-3.34%) Homeowner's exemption | $22,560 (-2.04%) Land $2,500 Building $20,060 | $225,600 (-2.04%) Land $25,000 Building $200,600 |
| 2022 | $808.00 Homeowner's exemption | $23,030 Land $2,500 Building $20,530 | $230,300 Land $25,000 Building $205,300 |
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.
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 |
| 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.
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: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| FlashFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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