2509 Cottage Pointe Dr, Riverbank, CA 95367 Property Records

Stanislaus County property record for 2509 Cottage Pointe Dr, Riverbank, CA 95367

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 2007
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Feb 2019)
Tax Bill	$4,907 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`075-098-051-000`

Property Details

APN / Parcel Number

Primary APN	`075-098-051-000`
Alternative APN	`0759851000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,800 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Lot Area	2,614 sqft (0.06 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2509 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) POR LOT 51
Legal Subdivision	COTTAGES/CROSSROADS
Legal Block	2
Legal Lot Number	51
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2025
Census Tract	407

Owner

2509 Cottage Pointe Dr is owned and occupied by an individual who bought it in February 2019.

Source: Stanislaus County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2509 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 5, 2019	Grant Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2019 · Amount on File
Deed Sale	Feb 5, 2019 · Amount on File
Deed Document Number	20196475
Prior Transfer Date	May 8, 2009
Prior Transfer Doc	0000046496
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2509 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000099994
Date	Dec 4, 2020
Instrument	2020-0099994

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Feb 5, 2019
Property Address	2509 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000006475
Map Reference	MB 43 PG 8
Instrument Date	Jan 30, 2019
Instrument	2019-0006475
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CYPRESS TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000006476
Date	Feb 5, 2019
Instrument	2019-0006476

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2509 Cottage Pointe Dr was $4,907, up 2.1% from the year before.

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	$4,907.00 (+2.1%)	$386,856 (+2%) Land $130,848 Building $256,008
2025	$4,806.00	$379,272 Land $128,283 Building $250,989
2023	$4,580.00 (+4.88%)	$364,546 Land $123,302 Building $241,244
2022	$4,367.00

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

Flood

FEMA maps place 2509 Cottage Pointe Dr in Zone X, an area of minimal flood risk.

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

The area around 2509 Cottage Pointe Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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