Napa County property record for 4096 Sutro Dr, Napa, CA 94558
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,996 sqft · built 2005 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,085,000 (Aug 2017) |
| Tax Bill | $15,017 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-762-021-000 |
| Primary APN | 041-762-021-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,996 sqft Living Area |
| Gross Area | 3,480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 041-762-021 |
|---|---|
| Street Address | 4096 SUTRO DR |
| City | NAPA |
| State | CA |
| Zip | 94558-4135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS10 |
| Legal Description | LOT 16 SUTRO SUBD 17R/M65,6 PG&E R/W 1730/111 RESTRS 1787/237 SCENIC/OPEN SPACE ESMT 1748/765 MAINT AGMT 1743/679 |
| Legal Subdivision | SUTRO |
| Legal Lot Number | 16 |
| Jurisdiction | NAPA CA |
| Township / Civil Division | NAPA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 201101 |
4096 Sutro Dr is owned and occupied by two individuals who bought it in August 2017.
Source: Napa County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4096 SUTRO DR, NAPA, CA 94558-4135 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Aug 11, 2017 | Grant Deed, Transfer · ARM HOMESTREET BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2017 · Amount on File |
| Deed Sale | Aug 11, 2017 · Amount on File |
| Prior Sale | Jun 18, 2007 · Amount on File |
| Deed Document Number | 201718137 |
| Prior Transfer Date | Jul 25, 2005 |
| Prior Transfer Doc | 0000029881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAPA CA |
| Property Address | 4096 SUTRO DR, NAPA, CA 94558-4135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TTL ORANGE CNTY BRANCH |
| Name | Verified Name |
|---|
| Document Number | 0000018544 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 2020-0018544 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NAPA CA |
| Recording Date | Aug 11, 2017 |
| Property Address | 4096 SUTRO DR, NAPA, CA 94558-4135 |
| Document Number | 0000018137 |
| Map Reference | MAP17 PG64-66 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 2017-0018137 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 4096 SUTRO DR, NAPA, CA 94558-4135 |
| Document Number | 0000018138 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 2017-0018138 |
| Name | HOMESTREET BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Sep 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Number | 0000018139 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 2017-0018139 |
| Name | HOMESTREET BANK |
|---|---|
| Type | Bank |
| Address | SEATTLE, WA 98101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 4096 Sutro Dr was $15,017, up 2.1% from the year before.
Source: Napa County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Napa County |
| Municipality | Napa City |
| Unified School District | Napa Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,017.00 (+2.1%) | $1,259,230 (+2%) Land $562,881 Building $696,349 | $1,259,230 (+2%) Land $562,881 Building $696,349 |
| 2025 | $14,708.00 | $1,234,541 Land $551,845 Building $682,696 | $1,234,541 Land $551,845 Building $682,696 |
| 2023 | $13,971.00 (+1.42%) | $1,186,604 Land $530,417 Building $656,187 | |
| 2022 | $13,776.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4096 Sutro Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 (2005) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides |
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 risk around 4096 Sutro Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 491 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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