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Single Family ResidenceResidential
$449,753$160 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $41,000 on Feb 10, 2016

4020 SADDLEHORN BND SW

DECATUR, AL 35603
2
Baths
2,809 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$450K
$397K low$503K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$41,000 · Feb 10, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,534 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$34,920 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$29,920
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$349,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.27
86
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.32 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMORGAN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2017
Lot (acres)The size of the land the home sits on, from county records.0.50
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Frances Nungester Elementary SchoolD+
Elementary · Grades PK–5 · 1.0 mi
H
Decatur High SchoolB-
High · Grades 9–12 · 4.3 mi
M
Decatur Middle SchoolC-
Middle · Grades 6–8 · 4.4 mi

District: Decatur City School District

Neighborhood · ZIP 35603These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.32,592
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.426 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,456
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4020 Saddlehorn Bnd Sw measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in Morgan County
  • Costs more per square foot than 74% of homes in Morgan County
  • Bigger than 91% of homes in Morgan County
  • Newer than 94% of homes in Morgan County

What homes are worth in Decatur 35603

Each bar is how many homes fall in that price range. The marker is this home.

This home
$96K$666K

This home is worth more than 91% of homes in Decatur 35603.

How it measures up in Decatur 35603

The dot is this home. The mark in the middle is the typical home in Decatur 35603.

Estimated value$449,753
CheaperTypical $266,176Pricier

Pricier than 91% of homes nearby

Price per ft²$160
CheaperTypical $142Pricier

Pricier than 71% of homes nearby

Living area2,809 ft²
SmallerTypical 1,829 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.5 ac
SmallerTypical 0.36 acBigger

Bigger than 63% of homes nearby

Year built2016
OlderTypical 1991Newer

Newer than 93% of homes nearby

How 4020 Saddlehorn Bnd Sw ranks against every home in each area.
MeasureThis homeDecatur 35603Morgan County
Estimated valuepricier than$449,75391% of homes93% of homes
Price per ft²pricier than$16071% of homes74% of homes
Living areabigger than2,809 ft²88% of homes91% of homes
Lot sizebigger than0.5 ac63% of homes53% of homes
Year builtnewer than201693% of homes94% of homes

About 4020 Saddlehorn Bnd Sw

How much is 4020 Saddlehorn Bnd Sw, Decatur, AL worth?

The TopHap Estimate for 4020 Saddlehorn Bnd Sw, Decatur, AL is $449,753 as of Sep 24, 2026. The likely range is $396,730 to $502,776. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4020 Saddlehorn Bnd Sw, Decatur, AL last sell?

4020 Saddlehorn Bnd Sw, Decatur, AL last sold on Feb 10, 2016 for $41,000, according to the county's recorded deed.

How big is 4020 Saddlehorn Bnd Sw, Decatur, AL?

4020 Saddlehorn Bnd Sw, Decatur, AL has 2 bathrooms, 2,809 square feet of living space and a 0.50-acre lot.

When was 4020 Saddlehorn Bnd Sw, Decatur, AL built?

4020 Saddlehorn Bnd Sw, Decatur, AL was built in 2016, making it 10 years old. The building has 1 story.

What schools serve 4020 Saddlehorn Bnd Sw, Decatur, AL?

4020 Saddlehorn Bnd Sw, Decatur, AL is assigned to Frances Nungester Elementary School (elementary), rated D+; Decatur High School (high), rated B-; Decatur Middle School (middle), rated C-. All sit in Decatur City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4020 Saddlehorn Bnd Sw, Decatur, AL compare to other homes in Decatur 35603?

Among the 11,035 homes in Decatur 35603, it is worth more than 91% of them ($449,753 against a typical $266,176), its price per square foot is higher than 71% of them ($160 against a typical $142), it is bigger than 88% of them (2,809 ft² against a typical 1,829 ft²), its lot is bigger than 63% of them (0.5 ac against a typical 0.36 ac) and it is newer than 93% of them (2016 against a typical 1991). Measured against all of Morgan County, it is worth more than 93% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4020 Saddlehorn Bnd Sw, Decatur, AL?

The 2025 property tax bill for 4020 Saddlehorn Bnd Sw, Decatur, AL was $1,534. The county assessed it at $34,920.

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