708 Coves Point Dr, Riverside, AL 35135 Property Records

St. Clair County property record for 708 Coves Point Dr, Riverside, AL 35135

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,893 sqft · built 1986
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2018)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-07-35-4-001-039.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-4-001-039.000`
Alternative APNs	`00508760` `508760` `18419`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,893 sqft Living Area
1st Floor Area	2,893 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)

Exterior Amenities

Deck Area	400 sqft
Patio Area	400 sqft
Utility Building	576 sqft
Boat Access	Boat Access
Boat House	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00508760
Street Address	708 COVES POINT DR
City	RIVERSIDE
State	AL
Zip	35135-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 COVE POINT 35-16-4
Legal Range	04E
Legal Township	16S
Legal Section	35
Legal Subdivision	COVE POINT
Legal Lot Number	19
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1036
Census Tract	40206

Owner

708 Coves Point Dr is owned and occupied by two individuals who bought it in October 2018.

Source: St. Clair County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	708 COVES POINT DR, RIVERSIDE, AL 35135-1309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT BK
Oct 2, 2018	Survivorship Deed, Transfer · Conventional Mortgage SOUTHPOINT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018 · Amount on File
Deed Sale	Oct 2, 2018 · Amount on File
Deed Book / Page	2018 / 11840
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	708 COVES POINT DR, RIVERSIDE, AL 35135-1309
Document Number	0000056054
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	708 COVES POINT DR RIVERSIDE AL 351351309, RIVERSIDE, AL 35135-1309

Mortgage

Document Number	0000056054
Date	Oct 26, 2020
Instrument	56054

Lender

Name	SOUTHPOINT BK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

October 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ST CLAIR AL
Recording Date	Oct 2, 2018
Property Address	708 COVES POINT DR, RIVERSIDE, AL 35135-1309
Document Number	0000011840
Book / Page	DEED 2018 / 11840
Map Reference	MB D PG 42&43
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	708 COVES POINT DR, 708, RIVERSIDE, AL 35135-1309

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	708 COVES POINT DR, RIVERSIDE, AL 35135-1309

Mortgage

Document Number	MTG201833638
Date	Oct 2, 2018
Instrument	MTG 2018/33638

Lender

Name	SOUTHPOINT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 708 Coves Point Dr was $1,369 with exemptions applied.

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	$1,369.00	$43,040	$429,890
2023		$85,978 Land $30,000 Building $55,978	$429,890 Land $150,000 Building $279,890

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

FEMA maps place 708 Coves Point Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 708 Coves Point Dr is low, with a 0.01% annual chance of 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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