4216 Ruby Pointe Dr SE, Decatur, AL 35603 Property Records

Morgan County property record for 4216 Ruby Pointe Dr SE, Decatur, AL 35603 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 2023
Square Footage	2,654 sqft Living Area
Lot Size	10,236 sqft (0.235 acres)
Occupancy	Owner Occupied
Last Sale	$610,000 (2025)
Tax Bill	$3,591.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`12-05-15-0-000-040.008`
Alternative APNs	`156230` `74172`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,654 sqft Living Area
1st Floor Area	1,682 sqft 1st Floor
Stories	1 Story
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Lot Area	10,236 sqft (0.235 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	156230
Street Address	4216 RUBY POINTE DR SE
City	DECATUR
State	AL
Zip	35603-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 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	8
Jurisdiction	MORGAN AL
Township / Civil Division	HARTSELLE
Census Block Group	1
Census Block	1029
Census Tract	5306

Owner

Source: Morgan County records · APN 12-05-15-0-000-040.008

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	2 Individual Names on File
Mailing Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Sep 15, 2021	Warranty Deed, Transfer
Jan 22, 2021	Warranty Deed, Transfer · Line of Credit RENASANT BANK
Oct 09, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Sep 15, 2021 · Amount on Record
Deed Book / Page	2025 / 9531
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Oct 15, 2025
Property Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	02025/9531
Book / Page	2025 / 9531
Map Reference	MB 2009 PG 4
Instrument Date	Oct 15, 2025
Transaction Type	Transfer
Record Updated	Apr 02, 2026

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	2604 APPLEWOOD CIR SE, DECATUR, AL 35603-5125

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211

Mortgage

Document Number	0202541239
Date	Oct 15, 2025
Instrument	2025/41239

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Sep 15, 2021
Property Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	02021/9695
Book / Page	2021 / 9695
Map Reference	PG 4
Instrument Date	Sep 07, 2021
Transaction Type	Transfer
Record Updated	Apr 05, 2024

Transaction

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

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 APPLEWOOD CIR SE, DECATUR, AL 35603-5125

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jan 22, 2021
Property Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	2021/595
Book / Page	2021 / 595
Map Reference	MB 2009 PG 4
Instrument Date	Jan 21, 2021
Transaction Type	Transfer
Record Updated	May 17, 2021

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	4302 EMERALD LN SE, 4302, DECATUR, AL 35603-5234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1354, DECATUR, AL 35602-1354

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 05, 2022

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Oct 09, 2018
Property Address	4216 RUBY POINTE DR SE, DECATUR, AL 35603-5211
Document Number	2018/08932
Book / Page	2018 / 08932
Map Reference	MB2009 PG4
Instrument Date	Oct 04, 2018
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14000 HWY 20, 14000, MADISON, AL 35756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4302 EMERALD LN, DECATUR, AL 35603-5234

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	Decatur City
Unified School District	Decatur City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,591.00 (+14.8%)	$69,060 (-) Land $7,800 Building $61,260	$396,400 (+14.8%) Land $39,000 Building $357,400
2023	$3,128.00 (+786.12%)	$69,060 (+785.38%) Land $7,800 Building $61,260	$345,300 (+785.38%) Land $39,000 Building $306,300
2022	$353.00	$7,800 Land $7,800	$39,000 Land $39,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Morgan County (01103C), updated July 4, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 8% of Alabama
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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

4216 Ruby Pointe Dr SE, Decatur, AL 35603 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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