3514 White Cliff Cir, Napa, CA 94558 Property Records

Napa County property record for 3514 White Cliff Cir, Napa, CA 94558

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,960 sqft · built 1973
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on Record
Last Sale	$1,625,000 (May 2022)
Tax Bill	$20,650 (2026)
Deeds & Mortgages	Jul 2022 Mortgage May 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`050-131-001-000`

Property Details

APN / Parcel Number

Primary APN	`050-131-001-000`
Alternative APNs	`050-131-001` `05013101`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,960 sqft Living Area
Gross Area	3,460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Old Parcel Number	050-131-001
Street Address	3514 WHITE CLIFF CIR
City	NAPA
State	CA
Zip	94558-5232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7
Legal Description	LOT 38 THE KNOLLS SUB 10R/M12
Legal Subdivision	THE KNOLLS SUBD
Legal Lot Number	38
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1007
Census Tract	201101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1110 ORTEGA ST, SAN FRANCISCO, CA 94122-4520
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 13, 2022	Grant Deed, Transfer PLACER TITLE COMPANY
Mar 29, 2017	Deed of Trust, Mortgage · ARM FREMONT BANK
Oct 4, 2017	Deed of Trust, Mortgage · ARM FREMONT BANK
Mar 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 12, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Jul 28, 1995 · Amount on Record
Deed Document Number	20229776
Transfer Doc	0000009775
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 PALISADES DR, DALY CITY, CA 94015-4520

Mortgage

Document Number	0000014283
Date	Jul 21, 2022
Instrument	2022-0014283

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.95%
Index	Other
Margin	3
Max Rate	8.95%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	May 13, 2022
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000009776
Map Reference	MB 10 PG 11&12
Instrument Date	May 10, 2022
Instrument	2022-0009776
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Living Trust
Address	1110 ORTEGA ST, SAN FRANCISCO, CA 94122-4520

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007476
Date	Mar 29, 2017
Instrument	2017-0007476

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount Recorded
Term	352 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022445
Date	Oct 4, 2017
Instrument	2017-0022445

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Mar 12, 2021
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000009623
Map Reference	MB 10 PG 11&12
Instrument Date	Feb 1, 2021
Instrument	2021-0009623
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	Community Property with Right of Survivorship
Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232

Mortgage

Document Number	0000009624
Date	Mar 12, 2021
Instrument	2021-0009624

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Mar 12, 2021
Property Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000009625
Map Reference	MB 10 PG 11&12
Instrument Date	Feb 1, 2021
Instrument	2021-0009625
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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
Address	3514 WHITE CLIFF CIR, NAPA, CA 94558-5232

Tax Assessment & Valuation

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	$20,650.00 (+2.09%)	$1,758,949 (+2%) Land $747,959 Building $1,010,990	$1,758,949 Land $747,959 Building $1,010,990
2025	$20,228.00 (+5.36%)	$1,724,461 (+4.04%) Land $733,294 Building $991,167
2023	$19,199.00 (+236.65%)	$1,657,500 Land $704,820 Building $952,680
2022	$5,703.00

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

Flood

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	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect 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 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Valley Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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