643 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 643 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,710 sqft · built 1984
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Dec 2023)
Tax Bill	$1,426 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-07-35-4-001-030.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-030.000`
Alternative APNs	`508448` `18410`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,710 sqft Heated Area
1st Floor Area	1,710 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,246 sqft (0.35 acres)
Utility Building	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	643 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 COVE POINT 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVE POINT
Legal Lot Number	10
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 22-07-35-4-001-030.000

Assessment roll updated April 17, 2026 · Last verified April 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	643 COVES POINT DR, RIVERSIDE, AL 35135-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT BANK
Aug 18, 2020	Warranty Deed, Transfer · Conventional with PMI SOUTHPOINT BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Mar 25, 2021 · Amount on Record
Deed Book / Page	2023 / 14480
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	643 COVES POINT DR, RIVERSIDE, AL 35135-1314
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021706
Date	Mar 25, 2021
Book Page	MTG 2021/21706

Lender

Name	SOUTHPOINT BANK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Aug 18, 2020
Property Address	643 COVES POINT DR, RIVERSIDE, AL 35135-1314
Document Number	0000209231
Instrument Date	Aug 07, 2020
Instrument	209231
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 COVES POINT DR RIVERSIDE AL 351351314, RIVERSIDE, AL 35135-1314

Mortgage

Document Number	41685
Date	Aug 18, 2020
Instrument	41685

Lender

Name	SOUTHPOINT BK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated April 17, 2026 · Last verified April 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	$1,426.00 (+14.17%)	$35,840 (-49.07%)	$358,230 (+1.8%)
2023		$70,376 Land $30,000 Building $40,376	$351,880 Land $150,000 Building $201,880
2022	$1,249.00

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 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Coves Point Dr

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