81 Ryan Crest Ln, Decatur, AL 35603 Property Records

Morgan County property record for 81 Ryan Crest Ln, Decatur, AL 35603

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,164 sqft · built 1990
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Tax Bill	$1,075 (2025)
Deeds & Mortgages	Aug 2016 Mortgage Jun 2006 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-03-05-0-000-016.001`

Property Details

APN / Parcel Number

Primary APN	`13-03-05-0-000-016.001`
Alternative APNs	`166268` `31972`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,164 sqft Living Area
1st Floor Area	1,504 sqft
Upper Floors Area	660 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	34,848 sqft (0.8 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	166268
Street Address	81 RYAN CREST LN
City	DECATUR
State	AL
Zip	35603-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 UPTON S/D, MAP BOOK 7, PAGE 72, SEC 5, T6S, R5W
Legal Range	5W
Legal Township	6S
Legal Section	05
Legal Subdivision	UPTON S/D
Legal Lot Number	2
Jurisdiction	MORGAN AL
Township / Civil Division	DECATUR
Census Block Group	2
Census Block	2013
Census Tract	5107

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	81 RYAN CREST LN, DECATUR, AL 35603-3714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2016	Deed of Trust, Mortgage · Conventional Mortgage HOME MORTGAGE OF AMERICA INC
Jun 8, 2006	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Nov 8, 2017	Warranty Deed, Transfer · FHA Mortgage PLATINUM MORTGAGE INC
Nov 8, 2016	Warranty Deed, Transfer
Jan 22, 2016	Warranty Deed, Transfer
May 17, 2010	Joint Tenancy Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2017
Deed Sale	Nov 8, 2017
Prior Sale	Nov 8, 2016 · Amount on Record
Deed Document Number	2017DEED2017-09906
Deed Book / Page	2017 / 9906
Prior Transfer Date	Oct 31, 2016
Prior Transfer Doc	2016/10300
Record Updated	Sep 20, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2016/23881
Date	Aug 3, 2016
Book Page	2016/23881

Lender

Name	HOME MORTGAGE OF AMERICA INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2046

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006/28632
Date	Jun 8, 2006
Book Page	2006/28632

Lender

Name	COMPASS BANK
Type	Bank
Address	DECATUR, AL 35601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	May 18, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Nov 8, 2017
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Document Number	DEED2017/09906
Book / Page	DEED2017 / 09906
Map Reference	MB7 PG72
Instrument Date	Jun 19, 2017
Instrument	DEED2017-09906
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3300 FERNBROOK LN N # N300, N300, MINNEAPOLIS, MN 55447-5338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 RYAN CHEST LN, DECATUR, AL 35603-3714

Mortgage

Document Number	MTG201735666
Date	Nov 8, 2017
Instrument	MTG2017-35666

Lender

Name	PLATINUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

November 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Nov 8, 2016
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Document Number	2016/10300
Book / Page	2016 / 10300
Map Reference	MB 7 PG 72
Instrument Date	Oct 31, 2016
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$190.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	81 RYAN CREST LN, DECATUR, AL 35603-3714

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jan 22, 2016
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Document Number	2016/00583
Book / Page	2016 / 00583
Map Reference	MB 7 PG 72
Instrument Date	Jan 7, 2016
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$19.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8115 SE 57TH DR, OKEECHOBEE, FL 34974-1762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 RYAN CREST LN, DECATUR, AL 35603-3714

May 2010: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	MORGAN AL
Recording Date	May 17, 2010
Property Address	81 RYAN CREST LN, DECATUR, AL 35603-3714
Document Number	2010/02912
Book / Page	2010 / 02912
Map Reference	MB7 PG72
Instrument Date	May 14, 2010
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$43.50
Amount Accuracy	Partially Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 RYAN CREST LN, DECATUR, AL 35603
Investor	Possibly a Property Investor

Mortgage

Document Number	0201013713
Date	May 17, 2010
Instrument	2010/13713

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2040

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,075.00 Homeowner's exemption	$30,200 (-) Land $1,500 Building $28,700	$302,000 (-) Land $15,000 Building $287,000
2024		$30,200 (+3.89%) Land $1,500 Building $28,700	$302,000 (+3.89%) Land $15,000 Building $287,000
2023	$1,075.00 (+11.75%) Homeowner's exemption	$29,070 (+7.03%) Land $1,390 Building $27,680	$290,700 (+7.03%) Land $13,900 Building $276,800
2022	$962.00 Homeowner's exemption	$27,160 Land $1,260 Building $25,900	$271,600 Land $12,600 Building $259,000

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

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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2019 · rainfall accumulation

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	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
FlashFiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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