438 Jackson St SE, Decatur, AL 35601 Property Records

Morgan County property record for 438 Jackson St SE, Decatur, AL 35601

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,917 sqft · built 1912
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Aug 2021)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-04-20-2-012-006.000`

Property Details

APN / Parcel Number

Primary APN	`03-04-20-2-012-006.000`
Alternative APNs	`10939` `92023`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,917 sqft Living Area
1st Floor Area	1,917 sqft
Basement Area	164 sqft
Unfinished Basement	164 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Area	150 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	92023
Street Address	438 JACKSON ST SE
City	DECATUR
State	AL
Zip	35601-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DLI&FC #3 LOT 38 & 40 BLK 17 PLAT BOOK 1 PAGE 17
Legal Range	4W
Legal Township	5S
Legal Section	20
Legal Subdivision	DLI&F CO ADD #3
Legal Block	17
Legal Lot Number	38&40
Jurisdiction	MORGAN AL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1039
Census Tract	400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Albany Heritage Neighborhood Historic District listed 1983 · 198 contributing resources · NRIS 83002981

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	438 JACKSON ST SE, DECATUR, AL 35601-3006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE FUNDING LLC
Aug 7, 2018	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Prior Sale	Feb 5, 2007 · Amount on Record
Deed Book / Page	2021 / 8800
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	438 JACKSON ST SE, DECATUR, AL 35601-3006
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 JACKSON ST SE, DECATUR, AL 35601-3006

Mortgage

Document Number	02024/2443
Date	Jan 30, 2024
Book Page	2024/2443

Lender

Name	EMORTGAGE FUNDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	438 JACKSON ST SE, DECATUR, AL 35601-3006
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/25037
Date	Aug 7, 2018
Book Page	2018/25037

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Dec 1, 2045

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Aug 23, 2021
Property Address	438 JACKSON ST SE, DECATUR, AL 35601-3006
Document Number	02021/8800
Book / Page	2021 / 8800
Map Reference	MB 1 PG 17
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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
Address	3006 AZTEC DR SE, DECATUR, AL 35603-5242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 JACKSON ST SE, DECATUR, AL 35601-3006

Mortgage

Document Number	2021/46861
Date	Aug 23, 2021
Book Page	2021/46861

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Aug 23, 2021
Property Address	438 JACKSON ST SE, DECATUR, AL 35601-3006
Document Number	02021/8800
Book / Page	2021 / 8800
Map Reference	MB 1 PG 17
Instrument Date	Aug 23, 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
Address	3006 AZTEC DR SE, DECATUR, AL 35603-5242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 JACKSON ST SE, DECATUR, AL 35601-3006

Mortgage

Document Number	0202146861
Date	Aug 23, 2021
Instrument	2021/46861

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$18,350 (-) Land $3,360 Building $14,990	$183,500 (-) Land $33,600 Building $149,900
2024		$18,350 (-) Land $3,360 Building $14,990	$183,500 (-) Land $33,600 Building $149,900
2023	Homeowner's exemption Disabled Person's exemption	$18,350 (-) Land $3,360 Building $14,990	$183,500 (-) Land $33,600 Building $149,900
2022	Homeowner's exemption	$18,350 Land $3,360 Building $14,990	$183,500 Land $33,600 Building $149,900

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.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2001–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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	Not rated no burnable land within ember reach

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	DECATUR, MUNICIPAL UB OF serves 77,103 people · EPA ID AL0001084
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

438 Jackson St SE, Decatur, AL 35601 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Jackson St SE

Nearby Streets

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