427 Covena Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 427 Covena Ave, Modesto, CA 95354

Property Summary

Property Type	Duplex
Details	1 bd · 1 ba · 1,104 sqft · built 1949
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2025)
Tax Bill	$4,636 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-008-048-000`

Property Details

APN / Parcel Number

Primary APN	`108-008-048-000`
Alternative APNs	`1080848000` `1080848`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Garage Area	400 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	427 COVENA AVE
City	MODESTO
State	CA
Zip	95354-1525
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	WILSON SCHOOL 03
Legal Block	5
Legal Lot Number	3
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	5
Census Block	5000
Census Tract	1900

Owner

427 Covena Ave, a duplex, is owned by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	239 ROMANOV CT, PATTERSON, CA 95363-8808
Owner Type	Individual
Vesting	Community Property

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
Nov 18, 2021	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 26, 2017	Grant Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on File
Deed Sale	Jul 29, 2025 · Amount on File
Prior Sale	Nov 18, 2021 · Amount on File
Deed Document Number	202536891
Prior Transfer Date	Jun 25, 2013
Prior Transfer Doc	0000062604
Record Updated	Oct 29, 2026

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 18, 2021
Property Address	427 COVENA AVE, MODESTO, CA 95354-1525
Document Number	0000107276
Map Reference	VOL 14 PG 40
Instrument Date	Nov 8, 2021
Instrument	2021-0107276
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	FIRSTAMERICAN 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	427 COVENA AVE, MODESTO, CA 95354-1525

Mortgage

Document Number	0000107277
Date	Nov 18, 2021
Instrument	2021-0107277

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 26, 2017
Property Address	427 COVENA AVE, MODESTO, CA 95354-1525
Document Number	0000054073
Map Reference	VOL14 PG40
Instrument Date	Jul 19, 2017
Instrument	2017-0054073
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	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	425 COVENA AVE, MODESTO, CA 95354-1525

Mortgage

Document Number	0000054074
Date	Jul 26, 2017
Instrument	2017-0054074

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 427 Covena Ave was $4,636, up 15.5% 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	$4,636.00 (+15.52%)	$400,000 (+14.22%) Land $250,000 Building $150,000
2025	$4,013.00 Homeowner's exemption	$350,198 Land $159,181 Building $191,017
2023	$3,774.00 (+2.55%) Homeowner's exemption	$336,600 Land $153,000 Building $183,600
2022	$3,680.00

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

Flood

FEMA maps place 427 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 427 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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