320 Covena Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 320 Covena Ave, Modesto, CA 95354

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,291 sqft · built 1948
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Sep 2025)
Tax Bill	$4,775 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`108-009-019-000`

Property Details

APN / Parcel Number

Primary APN	`108-009-019-000`
Alternative APNs	`1080919000` `1080919`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,291 sqft Living Area
1st Floor Area	1,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Storm Sewer

Location & Zoning

Street Address	320 COVENA AVE
City	MODESTO
State	CA
Zip	95354-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	COVENA PARK 02
Legal Block	3
Legal Lot Number	19
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	3
Census Block	3004
Census Tract	1900

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	2 Individual Names on Record
Mailing Address	320 COVENA AVE, MODESTO, CA 95354-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 3, 2022	Grant Deed, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit VALLEY FIRST CU
Feb 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Jun 3, 2022 · Amount on Record
Deed Document Number	202547500
Prior Transfer Date	Jun 1, 2022
Prior Transfer Doc	0000040777
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Sep 29, 2025
Property Address	320 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000047500
Map Reference	VOL 14 PG 49
Instrument Date	Sep 26, 2025
Instrument	2025-0047500
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	320 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000047501
Date	Sep 29, 2025
Instrument	2025-0047501

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 3, 2022
Property Address	320 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000040777
Map Reference	VOL 14 PG 49
Instrument Date	Jun 1, 2022
Instrument	2022-0040777
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	320 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000040778
Date	Jun 3, 2022
Instrument	2022-0040778

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	320 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000083393
Date	Oct 27, 2020
Instrument	2020-0083393

Lender

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

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	320 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000007441
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 COVENA AVE MODESTO CA 953541524, MODESTO, CA 95354-1524

Mortgage

Document Number	0000007441
Date	Feb 11, 2019
Instrument	7441

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95353-1411

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 10, 2044

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	320 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000010986
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 COVENA AVE MODESTO CA 953541524, MODESTO, CA 95354-1524

Mortgage

Document Number	0000010986
Date	Feb 16, 2017
Instrument	10986

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,775.00 (+42.03%)	$419,000 (+42.26%) Land $255,000 Building $164,000
2025	$3,362.00 (+94.22%) Homeowner's exemption	$294,536 (+86.18%) Land $157,427 Building $137,109
2023	$1,731.00 (+2.61%) Homeowner's exemption	$158,203 Land $52,731 Building $105,472
2022	$1,687.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 23, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 MODESTO serves 218,915 people · EPA ID CA5010010
Water Source	Purchased surface water from MODESTO IRRIGATION DISTRICT
Last State Inspection	Jan 2025
Lead	12 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 588 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ezWave, Verizon.

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