4214 Ruby Pointe Dr SE, Decatur, AL 35603 Property Records

Morgan County property record for 4214 Ruby Pointe Dr SE, Decatur, AL 35603

Property Summary

Property Type	Vacant Land
Details	1 ba
Lot Size	0.27 acres (11,787 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Jul 2023)
Tax Bill	$724 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-05-15-0-000-040.007`

Property Details

APN / Parcel Number

Primary APN	`12-05-15-0-000-040.007`
Alternative APNs	`156229` `74171`

Interior

Full Baths	1 Bath

Exterior

Lot Area	11,787 sqft (0.27 acres)

Location & Zoning

Account Number	156229
Street Address	4214 RUBY POINTE DR SE
City	DECATUR
State	AL
Zip	35603-5211
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LOT 7 CROWN POINTE ADDITION NO. 4 MB 2009 PG 4 SEC 15, T6S, R4W
Legal Range	4W
Legal Township	6S
Legal Section	15
Legal Subdivision	CROWN POINTE ADDITION NO. 4
Legal Lot Number	7
Jurisdiction	MORGAN AL
Township / Civil Division	HARTSELLE
Census Block Group	1
Census Block	1029
Census Tract	5306

Owner

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	5808 ROSEWOOD DR, GARDENDALE, AL 35071-2776
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Jul 10, 2023	Warranty Deed, Transfer
Jun 21, 2021	Warranty Deed, Transfer · Line of Credit CB&S BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Book / Page	2023 / 5927
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	4214 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3482
Date	Jan 22, 2021
Book Page	2021/3482

Lender

Name	RENASANT BANK
Type	Bank
Address	DECATUR, AL 35601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Feb 5, 2022

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 10, 2023
Property Address	4214 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	02023/5927
Book / Page	2023 / 5927
Map Reference	MB 2009 PG 4
Instrument Date	Jul 2, 2023
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4807 TOMAHAWK TRL SE, DECATUR, AL 35603-5154

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5808 ROSEWOOD DR, GARDENDALE, AL 35071-2776

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jun 21, 2021
Property Address	4214 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	02021/6190
Book / Page	2021 / 6190
Map Reference	MB 2009 PG 4
Instrument Date	Jun 19, 2021
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 TUNSEL RD SW, HARTSELLE, AL 35640-6325

Mortgage

Document Number	0202133650
Date	Jun 21, 2021
Instrument	2021/33650

Lender

Name	CB&S BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jul 18, 2026

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Municipality	Decatur City
Unified School District	Decatur City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$724.00 (+105.1%)	$7,800 (-) Land $7,800	$80,000 (-) Land $80,000
2024			$80,000 (+105.13%) Land $80,000
2023	$353.00	$7,800 (-) Land $7,800	$39,000 (-) Land $39,000
2022	$353.00	$7,800 Land $7,800	$39,000 Land $39,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HARTSELLE UTILITY BOARD serves 22,233 people · EPA ID AL0001086
Water Source	Purchased surface water from DECATUR, MUNICIPAL UB OF
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 132 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

May also be available: AT&T.

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