Morgan County property record for 445 Jackson St SE, Decatur, AL 35601
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,973 sqft · built 1929 |
| Lot Size | 0.199 acres (8,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,800 (Oct 2022) |
| Tax Bill | $1,043 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-04-20-2-013-002.000 |
| Primary APN | 03-04-20-2-013-002.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,973 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Upper Floors Area | 1,421 sqft |
| Basement Area | 142 sqft |
| Unfinished Basement | 142 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,680 sqft (0.199 acres) |
| Lot Dimensions | 140 ft deep x 77 ft wide |
| Porch | Open Porch |
| Utility Building | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Gravity Furnace |
| Account Number | 275560 |
|---|---|
| Street Address | 445 JACKSON ST SE |
| City | DECATUR |
| State | AL |
| Zip | 35601-3005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E1/2 OF LOT 43 AND ALL OF 45 47 BLK 22 DLI&FC #3 PLAT BOOK 1 PAGE 17 |
| Legal Range | 4W |
| Legal Township | 5S |
| Legal Section | 20 |
| Legal Subdivision | DLI&F CO ADD 03 |
| Legal Block | 22 |
| Legal Lot Number | 43 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | DECATUR |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 400 |
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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 445 JACKSON ST SE, DECATUR, AL 35601-3005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Sep 12, 2018 | Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on Record |
| Deed Sale | Oct 6, 2022 · Amount on Record |
| Deed Book / Page | 2022 / 11351 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 445 JACKSON ST SE, DECATUR, AL 35601-3005 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02026/6906 |
|---|---|
| Date | Feb 20, 2026 |
| Book Page | 2026/6906 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | DECATUR, AL 35601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 445 JACKSON ST SE, DECATUR, AL 35601-3005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018/29324 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 2018/29324 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DECATUR, AL 35601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Municipality | Decatur City |
| Unified School District | Decatur City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,043.00 | $27,450 (-) Land $4,160 Building $23,290 | $274,500 (-) Land $41,600 Building $232,900 |
| 2024 | $27,450 (+13.85%) Land $4,160 Building $23,290 | $274,500 (+13.85%) Land $41,600 Building $232,900 | |
| 2023 | $1,043.00 (+14.11%) Homeowner's exemption Senior Citizen's exemption | $24,110 (-) Land $4,160 Building $19,950 | $241,100 (-) Land $41,600 Building $199,500 |
| 2022 | $914.00 Homeowner's exemption | $24,110 Land $4,160 Building $19,950 | $241,100 Land $41,600 Building $199,500 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 99.2% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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