Napa County property record for 472 Cross St, Napa, CA 94559
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,703 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Trust Name on File |
| Last Sale | $720,000 (Apr 2020) |
| Tax Bill | $5,704 (2026) |
| Deeds & Mortgages | Sep 2024 Line of Credit Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 005-103-003-000 |
| Primary APN | 005-103-003-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,703 sqft Living Area |
| 1st Floor Area | 1,703 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 005-103-003 |
|---|---|
| Street Address | 472 CROSS ST |
| City | NAPA |
| State | CA |
| Zip | 94559-3336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT5 |
| Legal Subdivision | NAPA ABAJO SUB |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | NAPA CA |
| Township / Civil Division | NAPA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 200202 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Napa Abajo-Fuller Park Historic District listed 1997 · 297 contributing resources · NRIS 97000042 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
472 Cross St is owner-occupied and held in a trust since April 2020.
Source: Napa County records, as of October 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 472 CROSS ST, NAPA, CA 94559-3336 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Sep 13, 2024 | Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC |
| Apr 3, 2020 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2020 · Amount on File |
| Deed Sale | Apr 3, 2020 · Amount on File |
| Prior Sale | Sep 28, 2007 · Amount on File |
| Deed Document Number | 20207931 |
| Prior Transfer Date | Dec 15, 2000 |
| Prior Transfer Doc | 0000033445 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAPA CA |
| Property Address | 472 CROSS ST, NAPA, CA 94559-3336 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 472 CROSS ST, NAPA, CA 94559-3336 |
| Document Number | 0000013102 |
|---|---|
| Date | Sep 13, 2024 |
| Instrument | 2024-0013102 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 12, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NAPA CA |
| Recording Date | Apr 3, 2020 |
| Property Address | 472 CROSS ST, NAPA, CA 94559-3336 |
| Document Number | 0000007931 |
| Map Reference | MB D PG 110 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 2020-0007931 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | OLD REPUBLIC 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 | Family Revocable Trust |
| Address | 472 CROSS ST, NAPA, CA 94559-3336 |
| Document Number | 0000007932 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 2020-0007932 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | May 1, 2023 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
The 2026 property tax bill for 472 Cross St was $5,704 with a homeowner's exemption, 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 | $5,704.00 (+2.2%) Homeowner's exemption | $440,012 (+2%) Land $197,020 Building $242,992 | $440,012 Land $197,020 Building $242,992 |
| 2025 | $5,581.00 Homeowner's exemption | $431,385 Land $193,157 Building $238,228 | |
| 2023 | $5,324.00 (+1.33%) Homeowner's exemption | $414,635 Land $185,657 Building $228,978 | |
| 2022 | $5,254.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 472 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.
The area around 472 Cross St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 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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