18 Cercado Ct, Napa, CA 94559 Property Records

Napa County property record for 18 Cercado Ct, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 950 sqft · built 1953
Lot Size	0.13 acres (5,663 sqft)
Owner	Trust Name on File
Last Sale	$545,000 (Feb 2020)
Tax Bill	$7,676 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`005-141-046-000`

Property Details

APN / Parcel Number

Primary APN	`005-141-046-000`
Alternative APNs	`005-141-046` `00514146`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	950 sqft Living Area
Gross Area	1,160 sqft
1st Floor Area	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Roof Type	Gable
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Old Parcel Number	005-141-046
Street Address	18 CERCADO CT
City	NAPA
State	CA
Zip	94559-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS5
Legal Description	LOT 83 RANCHO DE LOS ROBLES SUB NO 3 5R/M69
Legal Subdivision	RANCHO DE LOS ROBLES #3
Legal Lot Number	83
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1006
Census Tract	200203

Owner

18 Cercado Ct is held in a trust since February 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1544 SIOUX CT, FREMONT, CA 94539-6590
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
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONY GLO INC
Feb 24, 2020	Grant Deed, Transfer · Conventional Mortgage AGORA LNDG
Oct 29, 2019	Grant Deed, Transfer · Conventional Mortgage DAN D & BETTY L OWEN
Nov 21, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on File
Deed Sale	Feb 24, 2020 · Amount on File
Prior Sale	Oct 29, 2019 · Amount on File
Deed Document Number	20204808
Prior Transfer Date	Jun 16, 2003
Prior Transfer Doc	0000034167
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	18 CERCADO CT, NAPA, CA 94559-4551
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 SIOUX CT, FREMONT, CA 94539-6590

Mortgage

Document Number	0000026978
Date	Oct 19, 2020
Instrument	2020-0026978

Lender

Name	ONY GLO INC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

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

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Feb 24, 2020
Property Address	18 CERCADO CT, NAPA, CA 94559-4551
Document Number	0000004808
Instrument Date	Feb 18, 2020
Instrument	4808
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1544 SIOUX CT FREMONT CA 945396590, FREMONT, CA 94539-6590

Mortgage

Document Number	4809
Date	Feb 24, 2020
Instrument	4809

Lender

Name	AGORA LNDG
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Oct 29, 2019
Property Address	18 CERCADO CT, NAPA, CA 94559-4551
Document Number	0000022200
Instrument Date	Oct 24, 2019
Instrument	22200
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$433.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2286 TROWER AVE NAPA CA 945582250, NAPA, CA 94558-2250

Mortgage

Document Number	22201
Date	Oct 29, 2019
Instrument	22201

Lender

Name	DAN D & BETTY L OWEN
Address	114 COCO PLUM LN, MARCO ISLAND, FL 34145-7826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NAPA CA
Recording Date	Nov 21, 2018
Property Address	18 CERCADO CT, NAPA, CA 94559-4551
Document Number	0000022446
Instrument Date	Oct 10, 2018
Instrument	22446
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	18 CERCADO CT NAPA CA 945594551, NAPA, CA 94559-4551

Tax Assessment & Valuation

The 2026 property tax bill for 18 Cercado Ct was $7,676, 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
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	$7,676.00 (+2.14%)	$607,952 (+2%) Land $267,721 Building $340,231	$607,952 Land $267,721 Building $340,231
2025	$7,515.00	$596,032 Land $262,472 Building $333,560
2023	$7,158.00 (+1.35%)	$572,889 Land $252,281 Building $320,608
2022	$7,063.00

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

Flood

FEMA maps place 18 Cercado Ct in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	34 (1982–2006)
Claims Outside the SFHA	10 of 34
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 14 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims Severe Storms & Flooding, Feb 1986 · 14 claims

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 18 Cercado Ct is low, with less than 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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.

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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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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