Morgan County property record for 643 Jackson St SE, #SES, Decatur, AL 35601
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,499 sqft · built 1939 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Sep 2021) |
| Tax Bill | $1,118 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2005 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-04-20-2-014-003.000 |
| Primary APN | 03-04-20-2-014-003.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,499 sqft Living Area |
| 1st Floor Area | 1,946 sqft |
| Upper Floors Area | 553 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Open Porch |
| Utility Building | 378 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 161994 |
|---|---|
| Street Address | 643 JACKSON ST SE |
| City | DECATUR |
| State | AL |
| Zip | 35601-3129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 5' OF LOT 39, ALL OF LOTS 41 & 43; BLK 23 DLI&FC #3; BOOK 1 PAGE 17 |
| Legal Range | 4W |
| Legal Township | 5S |
| Legal Section | 20 |
| Legal Subdivision | DLI&F CO ADD #3 |
| Legal Block | 23 |
| Legal Lot Number | 41 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | DECATUR |
| Census Block Group | 1 |
| Census Block | 1037 |
| 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 October 12, 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 | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · VA Mortgage HOMETOWN LENDERS INC |
| Apr 15, 2005 | Deed of Trust, Mortgage COMPASS BANK |
| Jan 31, 2007 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Apr 13, 2015 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Sep 24, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Sep 9, 2021 | Warranty Deed, Transfer · Line of Credit RIVER BANK & TRUST |
| Sep 24, 2018 | Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2021 · Amount on Record |
| Deed Sale | Sep 9, 2021 · Amount on Record |
| Prior Sale | Sep 24, 2018 · Amount on Record |
| Deed Book / Page | 2021 / 9529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021/34923 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 2021/34923 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2005/19461 |
|---|---|
| Date | Apr 15, 2005 |
| Book Page | 2005/19461 |
| Name | COMPASS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35233 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2007/05403 |
|---|---|
| Date | Jan 31, 2007 |
| Book Page | 2007/05403 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2015/10386 |
|---|---|
| Date | Apr 13, 2015 |
| Book Page | 2015/10386 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 643 JACKSON ST SE # SES, SES, DECATUR, AL 35601-3129 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2018/31052 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 2018/31052 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 9, 2021 |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Document Number | 02021/9529 |
| Book / Page | 2021 / 9529 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Sep 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 ROSECLIFF DR, HARVEST, AL 35749-9691 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Document Number | 2021/50467 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 2021/50467 |
| Name | RIVER BANK & TRUST |
|---|---|
| Type | Bank |
| Address | ARIVACA, AZ 85601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 24, 2018 |
| Property Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Document Number | 2018/08354 |
| Book / Page | 2018 / 08354 |
| Map Reference | MB1 PG17 |
| Instrument Date | Sep 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Title Company | LAW FIRM TITLE & CLOSING SER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 618 OAK ST NE, DECATUR, AL 35601-1836 |
| Name | Verified Name |
|---|---|
| Address | 643 JACKSON ST SE, DECATUR, AL 35601-3129 |
| Document Number | 2018/31052 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 2018/31052 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $1,118.00 | $29,370 (-) Land $3,360 Building $26,010 | $293,700 (-) Land $33,600 Building $260,100 |
| 2024 | $29,370 (-) Land $3,360 Building $26,010 | $293,700 (-) Land $33,600 Building $260,100 | |
| 2023 | $1,118.00 (-57.97%) Homeowner's exemption | $29,370 (-) Land $3,360 Building $26,010 | $293,700 (-) Land $33,600 Building $260,100 |
| 2022 | $2,660.00 | $29,370 Land $3,360 Building $26,010 | $293,700 Land $33,600 Building $260,100 |
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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