3538 White Cliff Cir, Napa, CA 94558 Property Records

Napa County property record for 3538 White Cliff Cir, Napa, CA 94558

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,102 sqft · built 1973
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$1,065,000 (Oct 2022)
Tax Bill	$13,483 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-122-013-000`

Property Details

APN / Parcel Number

Primary APN	`050-122-013-000`
Alternative APNs	`050-122-013` `05012213`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,102 sqft Living Area
Gross Area	2,602 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	6,970 sqft (0.16 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	050-122-013
Street Address	3538 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 44 THE KNOLLS SUB 10R/M12
Legal Subdivision	THE KNOLLS SUBD
Legal Lot Number	44
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	Individual Name on Record
Mailing Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 20, 2022	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 28, 2022	Intrafamily Transfer, Transfer
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Oct 26, 2004 · Amount on Record
Deed Document Number	202219305
Prior Transfer Date	Feb 1, 1994
Prior Transfer Doc	0000009386
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232

Mortgage

Document Number	0000022249
Date	Dec 19, 2022
Instrument	2022-0022249

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Apr 1, 2051

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Oct 20, 2022
Property Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000019305
Map Reference	MB 10 PG 11&12
Instrument Date	Oct 11, 2022
Instrument	2022-0019305
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232

Mortgage

Document Number	0000019306
Date	Oct 20, 2022
Instrument	2022-0019306

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Jan 28, 2022
Property Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000001831
Map Reference	MB 10 PG 11&12
Instrument Date	Jan 25, 2022
Instrument	2022-0001831
Transaction Type	Transfer
Record Updated	Feb 9, 2022

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	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232

Mortgage

Document Number	0000009593
Date	Mar 12, 2021
Instrument	2021-0009593

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3538 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027402
Date	Dec 12, 2017
Instrument	2017-0027402

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$13,483.00 (+2.11%) Homeowner's exemption	$1,130,185 (+2%) Land $480,727 Building $649,458	$1,130,185 (+2%) Land $480,727 Building $649,458
2025	$13,204.00 (+5.27%) Homeowner's exemption	$1,108,025 (+4.04%) Land $471,301 Building $636,724	$1,108,025 Land $471,301 Building $636,724
2023	$12,543.00 (+29.48%) Homeowner's exemption	$1,065,000 Land $453,000 Building $612,000
2022	$9,687.00

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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