1405 C St, Napa, CA 94559 Property Records

Napa County property record for 1405 C St, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,884 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Dec 2000)
Tax Bill	$6,535 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002-096-004-000`

Property Details

APN / Parcel Number

Primary APN	`002-096-004-000`
Alternative APNs	`002-096-004` `00209604`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,884 sqft Living Area
Gross Area	2,924 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Old Parcel Number	002-096-004
Street Address	1405 C ST
City	NAPA
State	CA
Zip	94559-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI4
Legal Description	E 63 FT OF N 110 FT OF LOT 1 BLK 18 SPENCERS ADDN 1R/M68
Legal Subdivision	SPENCERS ADDN
Legal Block	18
Legal Lot Number	1
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	3
Census Block	3038
Census Tract	200501

Owner

1405 C St is owned and occupied by two individuals who bought it in December 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	1405 C ST, NAPA, CA 94559-1637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CREDIT UNION
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2000 · Amount on File
Deed Sale	Dec 22, 2000 · Amount on File
Deed Document Number	200033479
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Recording Date	Jul 29, 2026
Property Address	1405 C ST, NAPA, CA 94559-1637
Document Number	0000011020
Instrument Date	Jul 23, 2026
Instrument	202611020
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1405 C ST, NAPA, CA 94559-1637

Mortgage

Document Number	0000011020,
Date	Jul 29, 2026
Instrument	202611020

Lender

Name	REDWOOD CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1405 C ST, NAPA, CA 94559-1637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009658
Date	May 28, 2019
Instrument	2019-0009658

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1405 C ST, NAPA, CA 94559-1637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009334
Date	Apr 24, 2020
Instrument	2020-0009334

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1405 C St was $6,535, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,535.00 (+2.16%)	$463,880 (+1.92%) Land $158,298 Building $305,582	$463,880 (+1.92%) Land $158,298 Building $305,582
2025	$6,397.00	$455,119 Land $155,195 Building $299,924	$455,119 Land $155,195 Building $299,924
2023	$6,248.00 (+0.18%)	$438,108 Land $149,169 Building $288,939
2022	$6,237.00

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

Flood

FEMA maps place 1405 C St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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
Nearby Flood Claims	6 (1995–2005)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides

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

The area around 1405 C St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 707 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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