1196 Ross Cir, Napa, CA 94558 Property Records

Napa County property record for 1196 Ross Cir, Napa, CA 94558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,578 sqft · built 1964
Lot Size	0.57 acres (24,829 sqft)
Owner	Trust Name on File
Last Sale	$900,000 (May 2009)
Tax Bill	$13,136 (2026)
Deeds & Mortgages	May 2021 Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-213-007-000`

Property Details

APN / Parcel Number

Primary APN	`049-213-007-000`
Alternative APNs	`049-213-007` `04921307`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,578 sqft Living Area
Gross Area	3,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Old Parcel Number	049-213-007
Street Address	1196 ROSS CIR
City	NAPA
State	CA
Zip	94558-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB1
Legal Description	LOT 25 MONTICELLO PARK SUB NO 1 6R/M19
Legal Subdivision	MONTICELLO PARK SUB
Legal Lot Number	25
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1002
Census Tract	201402

Owner

1196 Ross Cir is owner-occupied and held in a trust since May 2009.

Source: Napa County records, as of October 21, 2026

Owner of Record	Trust Name on File
Mailing Address	1196 ROSS CIR, NAPA, CA 94558-2139
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 15, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2009 · Amount on File
Deed Sale	May 15, 2009 · Amount on File
Deed Document Number	200912278
Prior Transfer Date	Dec 2, 2008
Prior Transfer Doc	0000030521
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1196 ROSS CIR, NAPA, CA 94558-2139
Transaction Type	Mortgage
Record Updated	Jun 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 ROSS CIR, NAPA, CA 94558-2139

Mortgage

Document Number	0000018044
Date	May 25, 2021
Instrument	2021-0018044

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1196 ROSS CIR, NAPA, CA 94558-2139
Document Number	0000018645
Instrument Date	Sep 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1196 ROSS CIR NAPA CA 945582139, NAPA, CA 94558-2139

Mortgage

Document Number	0000018645
Date	Sep 25, 2018
Instrument	18645

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1196 ROSS CIR, NAPA, CA 94558-2139
Document Number	0000014129
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 ROSS CIR NAPA CA 945582139, NAPA, CA 94558-2139

Mortgage

Document Number	0000014129
Date	Jun 22, 2017
Instrument	14129

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1196 Ross Cir was $13,136 with a homeowner's exemption, up 2.1% from the year before.

Source: Napa County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Napa County
Unified School District	Napa Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,136.00 (+2.06%) Homeowner's exemption	$1,182,156 (+2%) Land $459,726 Building $722,430	$1,182,156 Land $459,726 Building $722,430
2025	$12,871.00 Homeowner's exemption	$1,158,977 Land $450,712 Building $708,265
2023	$12,187.00 (+1.5%) Homeowner's exemption	$1,113,974 Land $433,211 Building $680,763
2022	$12,007.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1196 Ross Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective June 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1986–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation

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 1196 Ross Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NAPA serves 84,804 people · EPA ID CA2810003
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Valley Internet.

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