Napa County property record for 432 Cross St, Napa, CA 94559
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 18 bd · 9 ba · 7,316 sqft · built 1910 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,300,000 (Feb 2015) |
| Tax Bill | $27,583 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 005-103-010-000 |
| Primary APN | 005-103-010-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 18 Beds |
|---|---|
| Full Baths | 9 Baths |
| Building Area | 7,316 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Total Buildings | 2 Buildings |
| Old Parcel Number | 005-103-010 |
|---|---|
| Street Address | 432 CROSS ST |
| City | NAPA |
| State | CA |
| Zip | 94559-3336 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | RT5 |
| Legal Description | SFAP=NO CITY MAP (005-103-011) |
| Legal Subdivision | NAPA ABAJO SUB |
| Legal Block | B |
| Legal Lot Number | 3 |
| Jurisdiction | NAPA CA |
| Township / Civil Division | NAPA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 200202 |
432 Cross St, a residential property, is owned by a company that bought it in February 2015.
Source: Napa County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1625 JEFFERSON ST, NAPA, CA 94559-1705 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2015 · Amount on File |
| Deed Sale | Feb 2, 2015 · Amount on File |
| Prior Sale | Jul 8, 2013 · Amount on File |
| Deed Document Number | 20152990 |
| Prior Transfer Date | Apr 1, 2004 |
| Prior Transfer Doc | 0000014473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAPA CA |
| Property Address | 432 CROSS ST, NAPA, CA 94559-3336 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000027728 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021-0027728 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COPPELL, TX 75019 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 432 Cross St was $27,583, up 2.2% 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 | $27,583.00 (+2.24%) | $1,935,944 (+2%) Land $643,586 Building $1,292,358 | $1,935,944 Land $643,586 Building $1,292,358 |
| 2025 | $26,979.00 | $1,897,985 Land $630,967 Building $1,267,018 | |
| 2023 | $25,308.00 (+2.32%) | $1,824,286 Land $606,467 Building $1,217,819 | |
| 2022 | $24,735.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Cross St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 27 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 24 (1983–2006) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Feb 2006 · rainfall accumulation |
| Claims by Event |
|
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 432 Cross St is low, with less than 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 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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.
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 440 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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