Morgan County property record for 446 Jackson St SE, Decatur, AL 35601
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 3,207 sqft · built 1924 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $402,031 (May 2026) |
| Tax Bill | $979 (2025) |
| Deeds & Mortgages | Dec 2016 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-04-20-2-012-008.000 |
| Primary APN | 03-04-20-2-012-008.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,207 sqft Living Area |
| 1st Floor Area | 2,473 sqft |
| Upper Floors Area | 734 sqft |
| Basement Area | 112 sqft |
| Unfinished Basement | 112 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 135385 |
|---|---|
| Street Address | 446 JACKSON ST SE |
| City | DECATUR |
| State | AL |
| Zip | 35601-3006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 46 48 & W 20' OF LOT 50 BLK 17 DLI&FC #3 SEC 20 T5S R4W 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 | 50 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | DECATUR |
| Census Block Group | 1 |
| Census Block | 1039 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 446 JACKSON ST SE, DECATUR, AL 35601-3006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2016 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS LLC |
| May 1, 2026 | Warranty Deed, Transfer · FHA Mortgage SOUTHPOINT BANK |
| Dec 2, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Dec 2, 2022 · Amount on Record |
| Deed Book / Page | 2026 / 4121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 446 JACKSON ST SE, DECATUR, AL 35601-3006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2016/41360 |
|---|---|
| Date | Dec 20, 2016 |
| Book Page | 2016/41360 |
| Name | HOMETOWN LENDERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | May 1, 2026 |
| Property Address | 446 JACKSON ST SE, DECATUR, AL 35601-3006 |
| Document Number | 2026004121 |
| Book / Page | 2026 / 4121 |
| Instrument Date | Apr 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40,605.03 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 JACKSON ST SE, DECATUR, AL 35601-3006 |
| Document Number | 2026018354, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 2026/18354 |
| Name | SOUTHPOINT BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Dec 2, 2022 |
| Property Address | 446 JACKSON ST SE, DECATUR, AL 35601-3006 |
| Document Number | 2022/13330 |
| Book / Page | 2022 / 13330 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Nov 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 HUNINGTON CHASE DR, MADISON, AL 35758-6920 |
| Name | Verified Name |
|---|---|
| Address | 5195 INDIAN HILLS RD SE, DECATUR, AL 35603-5261 |
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 | $979.00 (-39.34%) Homeowner's exemption | $35,640 (+57.14%) Land $9,400 Building $26,240 | $226,800 (-) Land $47,000 Building $179,800 |
| 2024 | $22,680 (-36.36%) Land $4,700 Building $17,980 | $226,800 (+27.27%) Land $47,000 Building $179,800 | |
| 2023 | $1,614.00 | $35,640 (-) Land $9,400 Building $26,240 | $178,200 (-) Land $47,000 Building $131,200 |
| 2022 | $1,614.00 | $35,640 Land $9,400 Building $26,240 | $178,200 Land $47,000 Building $131,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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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