4302 Ruby Pointe Dr SE, Decatur, AL 35603 Property Records

Morgan County property record for 4302 Ruby Pointe Dr SE, Decatur, AL 35603 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 2020
Square Footage	2,551 sqft Living Area
Lot Size	10,212 sqft (0.234 acres)
Occupancy	Owner Occupied
Last Sale	$289,900 (2019)
Tax Bill	$1,109.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`12-05-15-0-000-040.009`
Alternative APNs	`156231` `74173`

Interior

Full Baths	1 Baths
Building Area	2,551 sqft Living Area
1st Floor	2,265 sqft 1st Floor
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,212 sqft (0.234 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	156231
Street Address	4302 RUBY POINTE DR SE
City	DECATUR
State	AL
Zip	35603-5203
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 9 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	9
Jurisdiction	MORGAN AL
Minor Civil Division	HARTSELLE
Census Blockgroup	1
Census Block	1029
Census Tract	5306

Owner

Source: Morgan County records · APN 12-05-15-0-000-040.009

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	4302 RUBY POINTE DR SE, DECATUR, AL 35603-5203
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 15, 2019 · Amount on Record
Deed Sale	Oct 15, 2019 · Amount on Record
Deed Book / Page	2019 / 9315
Record Refreshed	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Oct 15, 2019
Property Address	4302 RUBY POINTE DR SE, DECATUR, AL 35603-5203
Document Number	2019/09315
Book / Page	2019 / 09315
Map Reference	MB 2009 PG 4
Instrument Date	Oct 10, 2019
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	TITLE & CLOSING SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5577 INDIAN HILLS RD SE, DECATUR, AL 35603-5253

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	4302 RUBY POINTE DR SE, DECATUR, AL 35603-5203

Mortgage

Document Number	2019/34678
Date	Oct 15, 2019
Book Page	2019/34678

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

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 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	$1,109.00 (-7.51%)	$31,190 (-0.89%) Land $4,500 Building $26,690	$311,900 (-0.89%) Land $45,000 Building $266,900
2024		$31,470 (-0.88%) Land $4,500 Building $26,970	$314,700 (-0.88%) Land $45,000 Building $269,700
2023	$1,199.00 (-0.91%) Homeowner's exemption Senior Citizen's exemption	$31,750 (-) Land $4,500 Building $27,250	$317,500 (-) Land $45,000 Building $272,500
2022	$1,210.00 Homeowner's exemption	$31,750 Land $4,500 Building $27,250	$317,500 Land $45,000 Building $272,500

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.