Napa County property record for 4645 Monticello Rd, Napa, CA 94558
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,851 sqft · built 1998 |
| Lot Size | 2.35 acres (102,366 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,046,500 (May 2023) |
| Tax Bill | $12,402 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 033-260-005-000 |
| Primary APN | 033-260-005-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,851 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Wood |
| Lot Area | 102,366 sqft |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Old Parcel Number | 033-260-005 |
|---|---|
| Street Address | 4645 MONTICELLO RD |
| City | NAPA |
| State | CA |
| Zip | 94558-9608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AW |
| Legal Description | PARCEL BOOK 5 PAGE 83 PARCEL B |
| Legal Subdivision | LANDS/HENRY B WATERS ET UX |
| Jurisdiction | NAPA CA |
| Township / Civil Division | NAPA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 201401 |
4645 Monticello Rd, a rural home, is held in a trust since May 2023.
Source: Napa County records, as of October 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 123 YUKON ST, SAN FRANCISCO, CA 94114-2306 |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Apr 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| May 31, 2023 | Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Prior Sale | Apr 27, 2016 · Amount on File |
| Deed Document Number | 20238187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAPA CA |
| Property Address | 4645 MONTICELLO RD, NAPA, CA 94558-9608 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4468 24TH ST, SAN FRANCISCO, CA 94114-3522 |
| Document Number | 0000011795 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021-0011795 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NAPA CA |
| Recording Date | May 31, 2023 |
| Property Address | 4645 MONTICELLO RD, NAPA, CA 94558-9608 |
| Document Number | 0000008187 |
| Map Reference | MB 5 PG 83 |
| Instrument Date | May 19, 2023 |
| Instrument | 2023-0008187 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | PLACER TITLE COMPANY |
| 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 | Living Trust |
| Address | 123 YUKON ST, SAN FRANCISCO, CA 94114-2306 |
| Document Number | 0000008188 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 2023-0008188 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
The 2026 property tax bill for 4645 Monticello Rd was $12,402, up 2% from the year before.
Source: Napa County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Napa County |
| Unified School District | Napa Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,402.00 (+2.05%) | $1,110,552 (+2%) Land $636,724 Building $473,828 | $1,110,552 Land $636,724 Building $473,828 |
| 2025 | $12,153.00 | $1,088,778 Land $624,240 Building $464,538 | |
| 2023 | $9,238.00 (+1.49%) | $839,145 Land $455,130 Building $384,015 | |
| 2022 | $9,102.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4645 Monticello Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1995–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jan 2017 · Severe Winter Storms, Flooding, And Mudslides |
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 4645 Monticello Rd is high, ranking above 84% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 64% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Valley Internet Fixed Wireless | 150 / 75 |
4G LTE (outdoors only), no 5G reported
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