535 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 535 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,779 sqft · built 1995
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$261,000 (Jul 2019)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-07-35-4-001-023.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-023.000`
Alternative APNs	`00510045` `510045` `18403`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,269 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,136 sqft (0.6 acres)
Boat Access	Boat Access
Boat House	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00510045
Street Address	535 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 COVE POINT 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVE POINT
Legal Lot Number	3
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1041
Census Tract	40206

Owner

Source: St. Clair County records · APN 22-07-35-4-001-023.000

Assessment roll updated August 4, 2026 · Last verified August 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 File
Mailing Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jun 17, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 20, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jun 07, 2022	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 30, 2019	Survivorship Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Deed Book / Page	2019 / 8650
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Transaction Type	Mortgage
Record Updated	Oct 09, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313

Mortgage

Document Number	0000038786
Date	Sep 11, 2025
Book Page	MTG2025/38786

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 04, 2055

Interest

Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041359
Date	Jun 17, 2021
Book Page	MTG 2021/41359

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Mar 01, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016440
Date	Apr 20, 2020
Book Page	MTG 2020/16440

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Apr 01, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031227
Date	Jun 07, 2022
Book Page	MTG 2022/31227

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

July 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jul 30, 2019
Property Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313
Document Number	0000008650
Book / Page	DEED 2019 / 08650
Map Reference	MB D PG 43
Instrument Date	Jul 24, 2019
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	535 COVES POINT DR, 535, RIVERSIDE, AL 35135-1313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	535 COVES POINT DR, RIVERSIDE, AL 35135-1313

Mortgage

Document Number	MTG201927556
Date	Jul 30, 2019
Instrument	MTG 2019/27556

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated August 4, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Municipality	Riverside City
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,419.00 (+9.83%)	$35,800 (-49.19%)	$357,900 (+1.6%)
2023		$70,456 Land $30,000 Building $40,456	$352,280 Land $150,000 Building $202,280
2022	$1,292.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 97.7% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cable One Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 49 locations within half a mile of this property.

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