1197 Ross Cir, Napa, CA 94558 Property Records

Napa County property record for 1197 Ross Cir, Napa, CA 94558

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,162 sqft · built 1957
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,511 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`049-214-004-000`

Property Details

APN / Parcel Number

Primary APN	`049-214-004-000`
Alternative APNs	`049-214-004` `04921404`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	3,162 sqft Living Area
Gross Area	3,722 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Wood
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Old Parcel Number	049-214-004
Street Address	1197 ROSS CIR
City	NAPA
State	CA
Zip	94558-2140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB1
Legal Description	LOT 8 MONTICELLO PARK SUB NO 1 6R/M19
Legal Subdivision	MONTICELLO PARK SUB
Legal Lot Number	8
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1004
Census Tract	201402

Owner

1197 Ross Cir is owner-occupied and held in a trust since September 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1197 ROSS CIR, NAPA, CA 94558-2140
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRAVIS CU
Feb 14, 2020	Deed of Trust, Mortgage · Line of Credit TRAVIS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 9, 2025
Transfer Doc	0000012849
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1197 ROSS CIR, NAPA, CA 94558-2140
Transaction Type	Mortgage
Record Updated	Oct 14, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1197 ROSS CIR, NAPA, CA 94558-2140

Mortgage

Document Number	0000013189
Date	Apr 13, 2021
Instrument	2021-0013189

Lender

Name	TRAVIS CU
Type	Credit Union
Address	SANTA ANA, CA 92705

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1197 ROSS CIR, NAPA, CA 94558-2140
Document Number	0000004756
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1197 ROSS CIR NAPA CA 945582140, NAPA, CA 94558-2140

Mortgage

Document Number	0000004756
Date	Feb 24, 2020
Instrument	4756

Lender

Name	TRAVIS CU
Address	VACAVILLE, CA 95687

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 23, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1197 Ross Cir was $6,511, 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	$6,511.00 (+2.07%)	$586,451 (+2%) Land $199,130 Building $387,321	$586,451 Land $199,130 Building $387,321
2025	$6,379.00 Homeowner's exemption	$574,953 Land $195,226 Building $379,727
2023	$6,039.00 (+1.51%) Homeowner's exemption	$552,630 Land $187,647 Building $364,983
2022	$5,949.00

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

Flood

FEMA maps place 1197 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 1197 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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