344 Covena Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 344 Covena Ave, Modesto, CA 95354

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,038 sqft · built 1950
Lot Size	0.183 acres (7,986 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Apr 2024)
Tax Bill	$4,821 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`108-009-025-000`

Property Details

APN / Parcel Number

Primary APN	`108-009-025-000`
Alternative APNs	`1080925000` `1080925`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,038 sqft Living Area
Gross Area	924 sqft
1st Floor Area	1,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Lot Area	7,986 sqft (0.183 acres)
View / Lot	Corner
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	344 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	25
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	3
Census Block	3004
Census Tract	1900

Owner

344 Covena Ave is owned and occupied by two individuals who bought it in April 2024.

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	2 Individual Names on File
Mailing Address	344 COVENA AVE, MODESTO, CA 95354-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CATALYST MORTGAGE
Nov 22, 2019	Grant Deed, Transfer · Conventional Mortgage CATALYST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2024 · Amount on File
Deed Sale	Apr 9, 2024 · Amount on File
Prior Sale	Nov 22, 2019 · Amount on File
Deed Document Number	202415794
Prior Transfer Date	Nov 20, 2006
Prior Transfer Doc	0000179599
Record Updated	Oct 29, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 9, 2024
Property Address	344 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000015794
Map Reference	VOL 14 PG 49
Instrument Date	Apr 3, 2024
Instrument	2024-0015794
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	344 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000015795
Date	Apr 9, 2024
Instrument	2024-0015795

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000015796
Date	Apr 9, 2024
Instrument	2024-0015796

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	Jun 4, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	344 COVENA AVE, MODESTO, CA 95354-1524
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	NATCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 COVENA AVE, MODESTO, CA 95354-1524

Mortgage

Document Number	0000066081
Date	Sep 2, 2020
Instrument	2020-0066081

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 22, 2019
Property Address	344 COVENA AVE, MODESTO, CA 95354-1524
Document Number	0000082571
Map Reference	VOL 14 PG 49
Instrument Date	Nov 15, 2019
Instrument	2019-0082571
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	321 BONITA AVE, MODESTO, CA 95354-1405

Mortgage

Document Number	0000082572
Date	Nov 22, 2019
Instrument	2019-0082572

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 344 Covena Ave was $4,821 with a homeowner's exemption, down 6.7% from the year before.

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	$4,821.00 (-6.68%) Homeowner's exemption	$423,000 (-5.75%) Land $255,000 Building $168,000
2025	$5,166.00 Homeowner's exemption	$448,800 Land $260,100 Building $188,700
2023	$3,344.00 (+2.55%) Homeowner's exemption	$299,057 Land $168,187 Building $130,870
2022	$3,261.00

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

Flood

FEMA maps place 344 Covena Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 344 Covena Ave is low, with less than a 0.01% annual chance of 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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