Morgan County property record for 4309 Ruby Pointe Dr SE, Decatur, AL 35603 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2022 |
| Square Footage | 5,040 sqft Living Area |
| Lot Size | 11,166 sqft (0.256 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $65,000 (2016) |
| Tax Bill | $2,453.00 (2025) |
| Primary APN | 12-05-15-0-000-040.014 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 5,040 sqft Living Area |
| 1st Floor | 2,471 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 11,166 sqft (0.256 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Account Number | 156236 |
|---|---|
| Street Address | 4309 RUBY POINTE DR SE |
| City | DECATUR |
| State | AL |
| Zip | 35603-5216 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 14 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 | 14 |
| Jurisdiction | MORGAN AL |
| Minor Civil Division | HARTSELLE |
| Census Blockgroup | 1 |
| Census Block | 1028 |
| Census Tract | 5306 |
Source: Morgan County records · APN 12-05-15-0-000-040.014
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 | 4309 RUBY POINTE DR SE, DECATUR, AL 35603-5216 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST |
| Sep 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 21, 2016 · Amount on Record |
| Deed Sale | Sep 21, 2016 · Amount on Record |
| Deed Book / Page | 2016 / 8817 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 4309 RUBY POINTE DR SE, DECATUR, AL 35603-5216 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021/25075 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 2021/25075 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DECATUR, AL 35601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 4309 RUBY POINTE DR SE, DECATUR, AL 35603-5216 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2022/42377 |
|---|---|
| Date | Sep 02, 2022 |
| Book Page | 2022/42377 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Municipality | Decatur City |
| Unified School District | Decatur City School District (PK - 12) |
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 | $2,453.00 (-0.97%) | $55,210 (-0.95%) Land $3,900 Building $51,310 | $552,100 (-0.95%) Land $39,000 Building $513,100 |
| 2024 | $55,740 (-) Land $3,900 Building $51,840 | $557,400 (-) Land $39,000 Building $518,400 | |
| 2023 | $2,477.00 (+71.66%) Homeowner's exemption | $55,740 (+74.95%) Land $3,900 Building $51,840 | $557,400 (+249.91%) Land $39,000 Building $518,400 |
| 2022 | $1,443.00 | $31,860 Land $7,800 Building $24,060 | $159,300 Land $39,000 Building $120,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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