686 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 686 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,326 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jul 2022)
Tax Bill	$1,582 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-07-35-4-001-040.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-040.000`
Alternative APNs	`00063224` `512195` `18420`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,326 sqft Living Area
1st Floor Area	2,326 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Utility Building	168 sqft
Boat Access	Boat Access
Boat House	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	00063224
Street Address	686 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 COVE POINT A-56-2 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVE POINT
Legal Lot Number	20
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 August 4, 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	686 COVES POINT DR, RIVERSIDE, AL 35135-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING LLC
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Deed Book / Page	2022 / 9724
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	686 COVES POINT DR, RIVERSIDE, AL 35135-1308
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 COVES POINT DR, RIVERSIDE, AL 35135-1308

Mortgage

Document Number	0000043566
Date	Oct 10, 2025
Book Page	MTG2025/43566

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	999 W BIG BEAVER RD # 33, TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jul 8, 2022
Property Address	686 COVES POINT DR, RIVERSIDE, AL 35135-1308
Document Number	0000009724
Book / Page	DEED 2022 / 9724
Map Reference	MB D PG 43
Instrument Date	Jul 6, 2022
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	125 MORTON DR, PELL CITY, AL 35128-7573

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	686 COVES POINT DR, RIVERSIDE, AL 35135-1308

Mortgage

Document Number	MTG202235733
Date	Jul 8, 2022
Instrument	MTG 2022/35733

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 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	$1,582.00 (+55.25%)	$39,760 (-49.93%)	$397,400 (+0.08%)
2023		$79,414 Land $30,000 Building $49,414	$397,070 Land $150,000 Building $247,070
2022	$1,019.00

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.

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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