2504 Cottage Pointe Dr, Riverbank, CA 95367 Property Records

Stanislaus County property record for 2504 Cottage Pointe Dr, Riverbank, CA 95367

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,131 sqft · built 2007
Lot Size	0.082 acres (3,566 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2021)
Tax Bill	$6,345 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`075-098-047-000`

Property Details

APN / Parcel Number

Primary APN	`075-098-047-000`
Alternative APN	`0759847000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,131 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Lot Area	3,566 sqft (0.082 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2504 COTTAGE POINTE DR
City	RIVERBANK
State	CA
Zip	95367-9479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE COTTAGES AT CROSSROADS (43M08) LOT 47
Legal Subdivision	COTTAGES/CROSSROADS
Legal Block	2
Legal Lot Number	47
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2025
Census Tract	407

Owner

Source: Stanislaus County records, as of October 21, 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	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 23, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Nov 30, 2017	Quit Claim Deed, Transfer · FHA Mortgage STEARNS LNDG
Nov 30, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Dec 7, 2007 · Amount on Record
Deed Document Number	202159663
Prior Transfer Date	Nov 16, 2017
Prior Transfer Doc	0000088490
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017347
Date	Mar 12, 2020
Instrument	2020-0017347

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Feb 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048568
Date	Jul 10, 2020
Instrument	2020-0048568

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Mar 1, 2048

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 23, 2021
Property Address	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000059663
Map Reference	MB 43 PG 8
Instrument Date	Jun 22, 2021
Instrument	2021-0059663
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2622 PARKWAY, CERES, CA 95307-2008

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 30, 2017
Property Address	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000088491
Instrument Date	Nov 16, 2017
Instrument	88491
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2504 COTTAGE POINTE DR RIVERBANK CA 953679479, RIVERBANK, CA 95367-9479

Mortgage

Document Number	88492
Date	Nov 30, 2017
Instrument	88492

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 30, 2017
Property Address	2504 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000088490
Instrument Date	Nov 16, 2017
Instrument	88490
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2504 COTTAGE POINTE DR RIVERBANK CA 953679479, RIVERBANK, CA 95367-9479

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Riverbank City
Secondary School District	Modesto City High School District (09 - 12)
Elementary School District	Sylvan Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,345.00 (+2.01%) Homeowner's exemption	$524,436 (+2%) Land $187,693 Building $336,743
2025	$6,220.00 (+4.75%) Homeowner's exemption	$514,154 (+4.04%) Land $184,013 Building $330,141
2023	$5,938.00 (+4.75%) Homeowner's exemption	$494,190 Land $176,868 Building $317,322
2022	$5,669.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 23, 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 Policies	1 in force

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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RIVERBANK serves 25,625 people · EPA ID CA5010018
Water Source	Groundwater
Last State Inspection	Mar 2024
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	21 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Nov 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T.

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