4190 Cover St, Riverside, CA 92506 Property Records

Riverside County property record for 4190 Cover St, Riverside, CA 92506

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,158 sqft · built 1924
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jul 2026)
Tax Bill	$4,869 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`225-022-020`

Property Details

APN / Parcel Number

Primary APN	`225-022-020`
Alternative APN	`042000061`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,158 sqft Living Area
Gross Area	1,192 sqft
1st Floor Area	1,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Wood
Roof Material	Gravel
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Detached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	042000061
Street Address	4190 COVER ST
City	RIVERSIDE
State	CA
Zip	92506-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1065
Legal Description	LOT 57 MB 007/031 GROFTHOLDT SUB
Legal Subdivision	GROFTHOLDT SUB
Legal Lot Number	57
Jurisdiction	RIVERSIDE CA
Township / Civil Division	RIVERSIDE
Census Block Group	3
Census Block	3012
Census Tract	31100

Owner

4190 Cover St is owned and occupied by two individuals who bought it in July 2026.

Source: Riverside County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
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
Jul 8, 2026	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Mar 9, 2021	Grant Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
May 21, 2018	Deed of Trust, Mortgage · Conventional with PMI LENDERFI
Oct 26, 2017	Deed of Trust, Mortgage · Conventional with PMI LENDERFI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on File
Deed Sale	Jul 8, 2026 · Amount on File
Prior Sale	Mar 9, 2021 · Amount on File
Deed Document Number	2026212934
Prior Transfer Date	Oct 22, 2009
Prior Transfer Doc	0000575813
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 8, 2026
Property Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Document Number	0000212934
Instrument Date	Jun 24, 2026
Instrument	2026212934
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135,542.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Investor	Possibly a Property Investor

Mortgage

Document Number	0000212935,
Date	Jul 8, 2026
Instrument	2026212935

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Mar 9, 2021
Property Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Document Number	0000149099
Map Reference	MB 7 PG 31
Instrument Date	Feb 10, 2021
Instrument	2021-0149099
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	TRICO TITLE COMPANY, TICOR TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4190 COVER ST, RIVERSIDE, CA 92506-2238

Mortgage

Document Number	0000149100
Date	Mar 9, 2021
Instrument	2021-0149100

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Document Number	0000277425
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 COVER ST RIVERSIDE CA 925062238, RIVERSIDE, CA 92506-2238

Mortgage

Document Number	0000277425
Date	Jul 10, 2018
Instrument	277425

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 9, 2028

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Document Number	0000219965
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 COVER ST RIVERSIDE CA 925062238, RIVERSIDE, CA 92506-2238

Mortgage

Document Number	0000219965
Date	May 31, 2018
Instrument	219965

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	4190 COVER ST, RIVERSIDE, CA 92506-2238
Document Number	0000462839
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 COVER ST RIVERSIDE CA 925062238, RIVERSIDE, CA 92506-2238

Mortgage

Document Number	0000462839
Date	Nov 6, 2017
Instrument	462839

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4190 Cover St was $4,869.

Source: Riverside County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Municipality	Riverside City
Unified School District	Riverside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$441,518 (+2%) Land $99,366 Building $342,152
2025	$4,869.00	$432,862 Land $97,418 Building $335,444
2023	$4,689.00 (+1.87%)	$416,055 Land $93,636 Building $322,419
2022	$4,603.00
2021			$353,610

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4190 Cover St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026

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 4190 Cover St is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 RIVERSIDE serves 302,776 people · EPA ID CA3310031
Water Source	Groundwater influenced by surface water
Lead	1 ppb (2023–2025) 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 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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