662 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 662 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,438 sqft · built 1985
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$357,500 (May 2021)
Tax Bill	$1,212 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-07-35-4-001-041.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-041.000`
Alternative APNs	`503298` `18421`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,438 sqft Heated Area
1st Floor Area	1,438 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Utility Building	64 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	662 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 COVES PT 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVES PT
Legal Lot Number	21
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 April 17, 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	662 COVES POINT DR, RIVERSIDE, AL 35135-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Oct 30, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Book / Page	2021 / 6048
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 13, 2021
Property Address	662 COVES POINT DR, RIVERSIDE, AL 35135-1308
Document Number	0000006048
Book / Page	DEED 2021 / 6048
Map Reference	MB D PG 43
Instrument Date	May 12, 2021
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	6194 RANSOM RD, BIRMINGHAM, AL 35210-6300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	662 COVES POINT DR, RIVERSIDE, AL 35135-1308
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG202133486
Date	May 13, 2021
Instrument	MTG 2021/33486

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR AL
Recording Date	Oct 30, 2020
Property Address	662 COVES POINT DR, RIVERSIDE, AL 35135-1308
Document Number	0000012734
Instrument Date	Oct 26, 2020
Instrument	12734
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$202.00
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	686 COVES POINT DR RIVERSIDE AL 351351308, 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	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,212.00 (+11.19%)	$30,740 (-49.98%)	$307,270 (-)
2023		$61,454 (+121.61%) Land $30,000 Building $31,454	$307,270 (+10.8%) Land $150,000 Building $157,270
2022	$1,090.00 Homeowner's exemption	$27,731 Land $15,000 Building $12,731	$277,310 Land $150,000 Building $127,310

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 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.

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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