324 Covena Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 324 Covena Ave, Modesto, CA 95354

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,001 sqft · built 1950
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2019)
Tax Bill	$3,542 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`108-009-020-000`

Property Details

APN / Parcel Number

Primary APN	`108-009-020-000`
Alternative APNs	`1080920000` `1080920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,309 sqft Living Area
Gross Area	1,001 sqft
1st Floor Area	1,309 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	324 COVENA AVE
City	MODESTO
State	CA
Zip	95354-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVENA PK #2 LOT 20 BLOCK 2096
Legal Subdivision	COVENA PARK 02
Legal Block	3
Legal Lot Number	20
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	Individual Name on Record
Mailing Address	324 COVENA AVE, MODESTO, CA 95354-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2019	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS
Apr 18, 2017	Grant Deed, Transfer · FHA Mortgage AMBECK MORTGAGE ASSOC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Apr 18, 2017 · Amount on Record
Deed Document Number	201957483
Prior Transfer Date	Sep 20, 2012
Prior Transfer Doc	0000085494
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Aug 25, 2023
Title Company	FIRST AMERICAN TITLE IN, FIRST AEMERICAN TITLE INSUR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000037686
Date	Aug 14, 2023
Instrument	2023-0037686

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Jan 3, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000079874
Date	Dec 21, 2022
Instrument	2022-0079874

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000103987
Date	Nov 8, 2021
Instrument	2021-0103987

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062818
Date	Aug 24, 2020
Instrument	2020-0062818

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 28, 2019
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000057483
Instrument Date	Aug 15, 2019
Instrument	57483
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 COVENA AVE MODESTO CA 953541524, MODESTO, CA 95354-1524

Mortgage

Document Number	57484
Date	Aug 28, 2019
Instrument	57484

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 18, 2017
Property Address	324 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000027452
Map Reference	VOL14 PG49
Instrument Date	Apr 13, 2017
Instrument	2017-0027452
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	324 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000027453
Date	Apr 18, 2017
Instrument	2017-0027453

Lender

Name	AMBECK MORTGAGE ASSOC
Type	Mortgage Company
Address	MODESTO, CA 95356

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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	$3,542.00 (+1.08%)	$305,636 (+2%) Land $178,480 Building $127,156
2025	$3,504.00 (+11.98%)	$299,644 (+9.64%) Land $174,981 Building $124,663
2023	$3,129.00 (+2.49%)	$273,304 Land $168,187 Building $105,117
2022	$3,053.00

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

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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