428 Covena Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 428 Covena Ave, Modesto, CA 95354

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,518 sqft · built 1948
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$3,053 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`108-008-062-000`

Property Details

APN / Parcel Number

Primary APN	`108-008-062-000`
Alternative APNs	`1080862000` `1080862`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	1,518 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)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	428 COVENA AVE
City	MODESTO
State	CA
Zip	95354-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVENA PARK TR NO 2 BLOCK 2095 LOT 17
Legal Subdivision	COVENA PARK #2
Legal Tract	2
Legal Block	2095
Legal Lot Number	17
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	3
Census Block	3003
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	428 COVENA AVE, MODESTO, CA 95354-1526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · VA Mortgage VALLEY WEST CORPORATION
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage VALLEY WEST CORPORATION
Jul 12, 2019	Quit Claim Deed, Transfer · VA Mortgage PARAMOUNT PTRS GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019
Deed Sale	Jul 12, 2019
Prior Sale	Sep 11, 2015 · Amount on Record
Deed Document Number	201945510
Prior Transfer Date	Jul 8, 2019
Prior Transfer Doc	0000045510
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	428 COVENA AVE, MODESTO, CA 95354-1526
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 COVENA AVE, MODESTO, CA 95354-1526

Mortgage

Document Number	0000004682
Date	Jan 15, 2021
Instrument	2021-0004682

Lender

Name	VALLEY WEST CORPORATION
Type	Non-Lending Institution
Address	LAS VEGAS, NV 89117

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	428 COVENA AVE, MODESTO, CA 95354-1526
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027298
Date	Apr 20, 2020
Instrument	2020-0027298

Lender

Name	VALLEY WEST CORPORATION
Type	Non-Lending Institution
Address	LAS VEGAS, NV 89117

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 12, 2019
Property Address	428 COVENA AVE, MODESTO, CA 95354-1526
Document Number	0000045510
Instrument Date	Jul 5, 2019
Instrument	45510
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 COVENA AVE MODESTO CA 953541526, MODESTO, CA 95354-1526

Mortgage

Document Number	45511
Date	Jul 12, 2019
Instrument	45511

Lender

Name	PARAMOUNT PTRS GRP
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

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	$3,053.00 (+1.16%) Homeowner's exemption	$270,465 (+2%) Land $72,444 Building $198,021
2025	$3,018.00 (+6.34%) Homeowner's exemption	$265,163 (+4.04%) Land $71,024 Building $194,139
2023	$2,838.00 (+2.57%) Homeowner's exemption	$254,868 Land $68,267 Building $186,601
2022	$2,767.00

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 98% of the US · lower than 98.4% 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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