2576 Cottage Pointe Dr, Riverbank, CA 95367 Property Records

Stanislaus County property record for 2576 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	0.076 acres (3,318 sqft)
Owner	Individual Name on File
Last Sale	$472,000 (Aug 2022)
Tax Bill	$6,162 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`075-098-029-000`

Property Details

APN / Parcel Number

Primary APN	`075-098-029-000`
Alternative APN	`0759829000`

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	3,318 sqft (0.076 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2576 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 29
Legal Subdivision	COTTAGES/CROSSROADS
Legal Block	2
Legal Lot Number	29
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2025
Census Tract	407

Owner

2576 Cottage Pointe Dr is owned and occupied by an individual who bought it in August 2022.

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

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

Owner of Record	Individual Name on File
Mailing Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Grant Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC
Aug 22, 2022	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Aug 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Oct 12, 2018	Grant Deed, Transfer · Conventional Mortgage NEXBANK SSB
Apr 14, 2017	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Prior Sale	Oct 12, 2018 · Amount on File
Deed Document Number	202257168
Prior Transfer Date	Dec 31, 2007
Prior Transfer Doc	0000000016
Record Updated	Oct 29, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 22, 2022
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000057168
Map Reference	MB 43 PG 8
Instrument Date	Aug 10, 2022
Instrument	2022-0057168
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	PLACER 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	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000057170
Date	Aug 22, 2022
Instrument	2022-0057170

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

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

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Aug 22, 2022
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000057169
Map Reference	MB 43 PG 8
Instrument Date	Aug 3, 2022
Instrument	2022-0057169
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055597
Date	Aug 22, 2019
Instrument	2019-0055597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020423
Date	Mar 23, 2020
Instrument	2020-0020423

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479

Mortgage

Document Number	0000083132
Date	Oct 26, 2020
Instrument	2020-0083132

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Oct 12, 2018
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000071094
Instrument Date	Sep 17, 2018
Instrument	71094
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1363 RIVERBANK CA 953671363, RIVERBANK, CA 95367-1363

Mortgage

Document Number	71095
Date	Oct 12, 2018
Instrument	71095

Lender

Name	NEXBANK SSB
Type	Federal Savings Bank
Address	DALLAS, TX 75201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 14, 2017
Property Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Document Number	0000027012
Map Reference	MAP43 PG8
Instrument Date	Apr 7, 2017
Instrument	2017-0027012
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CYPRESS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 COTTAGE POINTE DR, RIVERBANK, CA 95367-9479
Mail Care Of	JEREMY MCDOUGH

Mortgage

Document Number	0000027013
Date	Apr 14, 2017
Instrument	2017-0027013

Lender

Name	OPES ADVISORS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Mortgage

Document Number	0000027014
Date	Apr 14, 2017
Instrument	2017-0027014

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 2576 Cottage Pointe Dr was $6,162, 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	$6,162.00 (+1.99%)	$500,888 (+2%) Land $210,118 Building $290,770
2025	$6,042.00	$491,068 Land $205,999 Building $285,069
2023	$5,770.00 (+32.49%)	$472,000 Land $198,000 Building $274,000
2022	$4,355.00

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

Flood

FEMA maps place 2576 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

Wildfire risk around 2576 Cottage Pointe Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Spectrum Cable	1,000 / 35
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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