6824 E Upper River Rd, Somerville, AL 35670 Property Records

Morgan County property record for 6824 E Upper River Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,185 sqft · built 2018
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Tax Bill	$1,504 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-06-24-0-000-031.010`

Property Details

APN / Parcel Number

Primary APN	`10-06-24-0-000-031.010`
Alternative APNs	`66577` `86191`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,185 sqft Living Area
1st Floor Area	2,847 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	1,295 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	86191
Street Address	6824 E UPPER RIVER RD
City	SOMERVILLE
State	AL
Zip	35670-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR OF NW1/4 OF SW1/4 OF SEC 24, T6S, R2W TH E 15', TH SO 2668.58', TH E 3323.15' TO TPOB TH N 436', TH E 299.72',
Legal Range	2W
Legal Township	6S
Legal Section	24
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1039
Census Tract	5704

Owner

Source: Morgan County records · APN 10-06-24-0-000-031.010

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	6824 E UPPER RIVER RD, SOMERVILLE, AL 35670-4525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Apr 12, 2017	Deed of Trust, Mortgage · Construction Mortgage BANK INDEPENDENT
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	6824 E UPPER RIVER RD, SOMERVILLE, AL 35670-4525
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/01860
Date	Jan 19, 2018
Book Page	2018/01860
Instrument	2018-01860

Lender

Name	BANK INDEPENDENT
Type	Bank
Address	WINIGAN, MO 63566

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	6824 E UPPER RIVER RD, SOMERVILLE, AL 35670-4525
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2017/11162
Date	Apr 12, 2017
Book Page	MTG2017/11162

Lender

Name	BANK INDEPENDENT
Type	Bank
Address	SHEFFIELD, AL 35660

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 06, 2047

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	6824 E UPPER RIVER RD, SOMERVILLE, AL 35670-4525
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/31744
Date	Jun 11, 2021
Book Page	2021/31744

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	6824 E UPPER RIVER RD, SOMERVILLE, AL 35670-4525
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025/13048
Date	Apr 16, 2025
Book Page	2025/13048

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2055

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,504.00 (-0.92%)	$40,370 (-0.93%) Land $4,170 Building $36,200	$403,700 (-0.93%) Land $41,700 Building $362,000
2024		$40,750 (-0.88%) Land $4,170 Building $36,580	$407,500 (-0.88%) Land $41,700 Building $365,800
2023	$1,518.00 (+3.41%) Homeowner's exemption	$41,110 (+4.39%) Land $4,170 Building $36,940	$411,100 (+4.39%) Land $41,700 Building $369,400
2022	$1,468.00 Homeowner's exemption	$39,380 Land $3,790 Building $35,590	$393,800 Land $37,900 Building $355,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 19 locations within half a mile of this property.

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