55 Zinnia Ln, Napa, CA 94558 Property Records

Napa County property record for 55 Zinnia Ln, Napa, CA 94558

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,548 sqft · built 1982
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2023)
Tax Bill	$6,423 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-320-018-000`

Property Details

APN / Parcel Number

Primary APN	`032-320-018-000`
Alternative APNs	`032-320-018` `03232018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,548 sqft Living Area
Gross Area	1,988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Old Parcel Number	032-320-018
Street Address	55 ZINNIA LN
City	NAPA
State	CA
Zip	94558-9682
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RSB10
Legal Description	LOT 38 CIRCLE OAKS SUB 7R/M60
Legal Subdivision	CIRCLE OAKS #1
Legal Lot Number	38
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	2
Census Block	2003
Census Tract	201401

Owner

55 Zinnia Ln, a rural home, is owned and occupied by two individuals who bought it in October 2023.

Source: Napa County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 ZINNIA LN, NAPA, CA 94558-9682
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 18, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	Mar 31, 2016 · Amount on File
Deed Document Number	202316785
Prior Transfer Date	Nov 24, 2004
Prior Transfer Doc	0000054275
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	55 ZINNIA LN, NAPA, CA 94558-9682
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 ZINNIA LN, NAPA, CA 94558-9682

Mortgage

Document Number	0000000045
Date	Jan 5, 2026
Instrument	2026-0000045

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Oct 18, 2023
Property Address	55 ZINNIA LN, NAPA, CA 94558-9682
Document Number	0000016785
Map Reference	MB 7 PG 60-69
Instrument Date	Oct 12, 2023
Instrument	2023-0016785
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	55 ZINNIA LN, NAPA, CA 94558-9682

Mortgage

Document Number	0000016786
Date	Oct 18, 2023
Instrument	2023-0016786

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	55 ZINNIA LN, NAPA, CA 94558-9682
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 ZINNIA LN, NAPA, CA 94558-9682

Mortgage

Document Number	0000018372
Date	May 27, 2021
Instrument	2021-0018372

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 55 Zinnia Ln was $6,423 with a homeowner's exemption, up 1.9% from the year before.

Source: Napa County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Napa County
Unified School District	Napa Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,423.00 (+1.87%) Homeowner's exemption	$525,402 (+2%) Land $234,090 Building $291,312	$525,402 Land $234,090 Building $291,312
2025	$6,305.00 Homeowner's exemption	$515,100 Land $229,500 Building $285,600
2023	$4,705.00 (+1.31%)	$369,789 Land $102,402 Building $267,387
2022	$4,644.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55 Zinnia Ln 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

Wildfire risk around 55 Zinnia Ln is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	CIRCLE OAKS WATER DISTRICT private · serves 500 people · EPA ID CA2800521
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) 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 94 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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