St. Clair County property record for 540 Coves Point Dr, Riverside, AL 35135
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,455 sqft · built 1989 |
| Lot Size | 0.43 acres (18,608 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $323,000 (Dec 2020) |
| Tax Bill | $1,544 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-07-35-4-001-048.000 |
| Primary APN | 22-07-35-4-001-048.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,455 sqft Living Area |
| 1st Floor Area | 2,455 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,608 sqft (0.43 acres) |
| Boat Access | Boat Access |
| Boat House | 900 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 00511913 |
|---|---|
| Street Address | 540 COVES POINT DR |
| City | RIVERSIDE |
| State | AL |
| Zip | 35135-1307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 COVE POINT 35-16-4 |
| Legal Range | 04E |
| Legal Township | 16S |
| Legal Section | 35 |
| Legal Subdivision | COVE POINT |
| Legal Lot Number | 28 |
| Jurisdiction | ST CLAIR AL |
| Township / Civil Division | PELL CITY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 40206 |
Source: St. Clair County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 540 COVES POINT DR, RIVERSIDE, AL 35135-1307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 28, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC |
| Apr 9, 2019 | Warranty Deed, Transfer |
| Aug 23, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2020 · Amount on Record |
| Deed Sale | Dec 28, 2020 · Amount on Record |
| Prior Sale | Apr 9, 2019 · Amount on Record |
| Deed Document Number | 2020 |
| Deed Book / Page | 2020 / 15487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Recording Date | Apr 15, 2026 |
| Property Address | 540 COVES POINT DR, RIVERSIDE, AL 35135-1307 |
| Document Number | 0000015983 |
| Book / Page | 2026 / 15983 |
| Instrument Date | Apr 6, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2026015983, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 2026/15983 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Recording Date | Dec 28, 2020 |
| Property Address | 540 COVES POINT DR, RIVERSIDE, AL 35135-1307 |
| Document Number | 0000015487 |
| Book / Page | DEED 2020 / 15487 |
| Map Reference | MB D PG 43 |
| Instrument Date | Dec 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 VISTA DR, 100, ODENVILLE, AL 35120-8113 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4245 COUNTY ROAD 12, ODENVILLE, AL 35120-6203 |
| Document Number | MTG202070623 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | MTG 2020/70623 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Recording Date | Apr 9, 2019 |
| Property Address | 540 COVES POINT DR, RIVERSIDE, AL 35135-1307 |
| Document Number | 0000003903 |
| Book / Page | DEED 2019 / 03903 |
| Map Reference | MB D PG 43 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3201 MOUNTAIN RIDGE CIR, 3201, BIRMINGHAM, AL 35242-3422 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 100 VISTA DR, ODENVILLE, AL 35120-8113 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Recording Date | Aug 23, 2018 |
| Property Address | 540 COVES POINT DR, RIVERSIDE, AL 35135-1307 |
| Document Number | 0000010158 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 10158 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $275.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 COVES POINT DR RIVERSIDE AL 351351307, RIVERSIDE, AL 35135-1307 |
Source: St. Clair County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | St. Clair County |
| Municipality | Riverside City |
| Unified School District | Pell City City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,544.00 (+17.5%) | $37,660 (-49.99%) | $376,560 (-) |
| 2023 | $75,312 Land $30,000 Building $45,312 | $376,560 Land $150,000 Building $226,560 | |
| 2022 | $1,314.00 |
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.
Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.4% of Alabama |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures