2004 S Terrace Dr, Napa, CA 94559 Property Records

Napa County property record for 2004 S Terrace Dr, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1970
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Trust Names on File
Last Sale	$705,000 (Nov 2025)
Tax Bill	$8,770 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-221-033-000`

Property Details

APN / Parcel Number

Primary APN	`046-221-033-000`
Alternative APNs	`046-221-033` `04622133`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,400 sqft Living Area
Gross Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Old Parcel Number	046-221-033
Street Address	1085 KANSAS AVE
City	NAPA
State	CA
Zip	94559-4123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI5
Legal Description	LOT 4 CORONADO TERRACE SUB NO 4 7R/M90
Legal Subdivision	CORONADO TERRACE SUBD
Legal Lot Number	4
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	3
Census Block	3007
Census Tract	200301

Owner

2004 S Terrace Dr is held in a trust since November 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	2004 S TERRACE DR, NAPA, CA 94559-4111
Owner Type	Company
Vesting	Trust, Family Revocable 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
Aug 26, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 26, 2025	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Sep 25, 1997 · Amount on File
Deed Document Number	202517381
Prior Transfer Date	Nov 19, 2025
Prior Transfer Doc	0000017380
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	2004 S TERRACE DR, NAPA, CA 94559-4111
Transaction Type	Mortgage
Record Updated	Dec 4, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 KANSAS AVE, NAPA, CA 94559-4123

Mortgage

Document Number	0000016109
Date	Aug 26, 2022
Instrument	2022-0016109

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Nov 26, 2025
Property Address	2004 S TERRACE DR, NAPA, CA 94559-4111
Document Number	0000017381
Map Reference	MB 7 PG 90
Instrument Date	Nov 20, 2025
Instrument	2025-0017381
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2004 S TERRACE DR, NAPA, CA 94559-4111

Mortgage

Document Number	0000017382
Date	Nov 26, 2025
Instrument	2025-0017382

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Jun 2, 2021
Property Address	2004 S TERRACE DR, NAPA, CA 94559-4111
Document Number	0000018801
Map Reference	MB 7 PG 90
Instrument Date	May 27, 2021
Instrument	2021-0018801
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	2004 S TERRACE DR, NAPA, CA 94559-4111

Tax Assessment & Valuation

The 2026 property tax bill for 2004 S Terrace Dr was $8,770, up 144.9% 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	$8,770.00 (+144.9%)	$705,000 (+177.72%) Land $300,000 Building $405,000	$705,000 (+177.72%) Land $300,000 Building $405,000
2025	$3,581.00 Homeowner's exemption	$253,852 Land $111,757 Building $142,095	$253,852 Land $111,757 Building $142,095
2023	$3,430.00 (+1.24%) Homeowner's exemption	$243,996 Land $107,418 Building $136,578
2022	$3,388.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2004 S Terrace Dr in Zone X, an area of minimal flood risk.

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	1 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 2004 S Terrace 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 80% of the US · lower than 88% of California
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.

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 558 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, Valley Internet.

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