648 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 648 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,870 sqft · built 1985
Lot Size	0.31 acres (13,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jun 2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`22-07-35-4-001-042.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-042.000`
Alternative APNs	`503299` `18422`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,870 sqft Heated Area
1st Floor Area	1,870 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,340 sqft (0.31 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space
Boat Access	Boat Access
Boat House	720 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 COVE POINT 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVE POINT
Legal Lot Number	22
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1036
Census Tract	40206

Owner

Source: St. Clair County records, as of July 13, 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	188 HUNTINGTON TRCE, ANNISTON, AL 36207-6400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Mar 9, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Deed Book / Page	2026 / 7606
Prior Transfer Date	Jun 16, 2026
Prior Transfer Doc	2026007606
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 24, 2026
Property Address	648 COVES POINT DR, RIVERSIDE, AL 35135-1308
Document Number	2026007606
Book / Page	2026 / 7606
Instrument Date	Jun 16, 2026
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

Mortgage

Document Number	2026027712,
Date	Jun 24, 2026
Book Page	2026/27712

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 9, 2021
Property Address	648 COVES POINT DR, RIVERSIDE, AL 35135-1308
Document Number	0000002989
Book / Page	DEED 2021 / 2989
Map Reference	MB D PG 43
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 COVES POINT DR, RIVERSIDE, AL 35135-1308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 COVES POINT DR, RIVERSIDE, AL 35135-1308

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 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

Year	Assessed Value	Assessed Market Value
2025	$37,100 (-49.98%)	$370,840 (-)
2023	$74,168 Land $30,000 Building $44,168	$370,840 Land $150,000 Building $220,840

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 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

Cell Coverage

5G (outdoors only) and 4G LTE

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