3554 White Cliff Cir, Napa, CA 94558 Property Records

Napa County property record for 3554 White Cliff Cir, Napa, CA 94558

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,063 sqft · built 1973
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,476 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050-122-009-000`

Property Details

APN / Parcel Number

Primary APN	`050-122-009-000`
Alternative APNs	`050-122-009` `05012209`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,063 sqft Living Area
Gross Area	2,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Old Parcel Number	050-122-009
Street Address	3554 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 48 THE KNOLLS SUB 10R/M12
Legal Subdivision	THE KNOLLS SUBD
Legal Lot Number	48
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	2 Individual Names on Record
Mailing Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Dec 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Aug 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 11, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 15, 2020
Transfer Doc	0000034527
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232

Mortgage

Document Number	0000016873
Date	Oct 19, 2023
Instrument	2023-0016873

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Dec 21, 2020
Property Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000034527
Map Reference	MB 10 PG 11
Instrument Date	Dec 15, 2020
Instrument	2020-0034527
Transaction Type	Transfer
Record Updated	Aug 12, 2021
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
Relationship	Community Property with Right of Survivorship
Address	1418 MORAGA ST, SAN FRANCISCO, CA 94122-4406

Mortgage

Document Number	0000034528
Date	Dec 21, 2020
Instrument	2020-0034528

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.4%
Type Change Date	Jan 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAPA CA
Recording Date	Aug 28, 2020
Property Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000021469
Instrument Date	Aug 19, 2020
Instrument	21469
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1418 MORAGA ST SAN FRANCISCO CA 941224406, SAN FRANCISCO, CA 94122-4406

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NAPA CA
Recording Date	Jun 11, 2020
Property Address	3554 WHITE CLIFF CIR, NAPA, CA 94558-5232
Document Number	0000013392
Instrument Date	Jun 3, 2020
Instrument	13392
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1418 MORAGA ST SAN FRANCISCO CA 941224406, SAN FRANCISCO, CA 94122-4406

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	$6,476.00 (+2.15%)	$501,542 (+2%) Land $97,487 Building $404,055	$501,542 Land $97,487 Building $404,055
2025	$6,340.00 (+4.88%)	$491,709 (+4.04%) Land $95,576 Building $396,133
2023	$6,045.00 (+1.32%)	$472,616 Land $91,865 Building $380,751
2022	$5,966.00

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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