2544 Cottage Pointe Dr, Riverbank, CA 95367 Property Records

Stanislaus County property record for 2544 Cottage Pointe Dr, Riverbank, CA 95367

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,723 sqft · built 2008
Lot Size	0.064 acres (2,807 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Mar 2022)
Tax Bill	$6,308 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`075-098-037-000`

Property Details

APN / Parcel Number

Primary APN	`075-098-037-000`
Alternative APN	`0759837000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,723 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Lot Area	2,807 sqft (0.064 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2544 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 37
Legal Subdivision	COTTAGES/CROSSROADS
Legal Block	2
Legal Lot Number	37
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2025
Census Tract	407

Owner

2544 Cottage Pointe Dr is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 8, 2022	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 15, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 4, 2017	Grant Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	202216666
Prior Transfer Date	Dec 31, 2007
Prior Transfer Doc	0000000016
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 8, 2022
Property Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000016666
Map Reference	MB 43 PG 8
Instrument Date	Mar 2, 2022
Instrument	2022-0016666
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	CYPRESS CRK TITLE CORPORATION, CYPRESS TITLE CORPORATION

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000016667
Date	Mar 8, 2022
Instrument	2022-0016667

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000011590
Date	Feb 15, 2022
Instrument	2022-0011590

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Sep 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IS 2544 COTTAGE POINTE DRIVE, RIVERBANK, CA 95367

Mortgage

Document Number	0000067932
Date	Sep 9, 2020
Instrument	2020-0067932

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 1, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 4, 2017
Property Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000056688
Map Reference	MAP43 PG8
Instrument Date	Jul 20, 2017
Instrument	2017-0056688
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000056689
Date	Aug 4, 2017
Instrument	2017-0056689

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2544 Cottage Pointe Dr was $6,308, up 2% 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	$6,308.00 (+1.99%)	$514,154 (+2%) Land $238,134 Building $276,020
2025	$6,185.00	$504,073 Land $233,465 Building $270,608
2023	$5,909.00 (+45.29%)	$484,500 Land $224,400 Building $260,100
2022	$4,067.00

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

Flood

FEMA maps place 2544 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 2544 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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