22 Lugo Ln, Napa, CA 94559 Property Records

Napa County property record for 22 Lugo Ln, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,340 sqft · built 1994
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jun 2017)
Tax Bill	$7,628 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-662-008-000`

Property Details

APN / Parcel Number

Primary APN	`046-662-008-000`
Alternative APNs	`046-662-008` `04666208`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,340 sqft Living Area
Gross Area	1,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	046-662-008
Street Address	22 LUGO LN
City	NAPA
State	CA
Zip	94559-3559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM12
Legal Description	LOT 9 SARATOGA CK SUB 19R/M18 REF MAP=14P/M8 IRRV OFFER DEDICATION 1339/4 S/D ESMT 1339/2 TO CITY HSG AUTH=92-028769 ABAND=92-030729 R/W=92-034915,6,7,8,9 MAINT AGMT=93-003739
Legal Subdivision	SARATOGA CREEK SUBD.
Legal Lot Number	9
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1029
Census Tract	200301

Owner

22 Lugo Ln is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 LUGO LN, NAPA, CA 94559-3559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Jul 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG
Jun 22, 2017	Grant Deed, Transfer · Conventional Mortgage CIABATTARI GENE G JR TRUST (RT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017 · Amount on File
Deed Sale	Jun 22, 2017 · Amount on File
Prior Sale	Aug 30, 2012 · Amount on File
Deed Document Number	201714142
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	22 LUGO LN, NAPA, CA 94559-3559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 LUGO LN, NAPA, CA 94559-3559

Mortgage

Document Number	0000031799
Date	Nov 30, 2020
Instrument	2020-0031799

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	22 LUGO LN, NAPA, CA 94559-3559
Document Number	0000006762
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	22 LUGO LN NAPA CA 945593559, NAPA, CA 94559-3559

Mortgage

Document Number	0000006762
Date	Mar 20, 2020
Instrument	6762

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	22 LUGO LN, NAPA, CA 94559-3559
Document Number	0000016889
Instrument Date	Jul 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	22 LUGO LN NAPA CA 945593559, NAPA, CA 94559-3559

Mortgage

Document Number	0000016889
Date	Jul 27, 2017
Instrument	16889

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Jun 22, 2017
Property Address	22 LUGO LN, NAPA, CA 94559-3559
Document Number	0000014142
Instrument Date	Jun 13, 2017
Instrument	14142
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
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	22 LUGO LN NAPA CA 945593559, NAPA, CA 94559-3559

Mortgage

Document Number	14143
Date	Jun 22, 2017
Instrument	14143

Lender

Name	CIABATTARI GENE G JR TRUST (RT
Address	PO BOX 3658, NAPA, CA 94558-0365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 22 Lugo Ln was $7,628, 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	$7,628.00 (+2.14%)	$603,728 (+2%) Land $211,895 Building $391,833	$603,728 Land $211,895 Building $391,833
2025	$7,468.00	$591,891 Land $207,741 Building $384,150
2023	$7,114.00 (+1.34%)	$568,909 Land $199,675 Building $369,234
2022	$7,020.00

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

Flood

FEMA maps place 22 Lugo Ln in Zone X, an area of minimal flood risk, within 100 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	83 (1982–2006)
Claims Outside the SFHA	3 of 83
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 23 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 33 claims Severe Storms & Flooding, Feb 1986 · 13 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 22 Lugo Ln 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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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