628 Cottage Dr, Napa, CA 94558 Property Records

Napa County property record for 628 Cottage Dr, Napa, CA 94558

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,004 sqft · built 1972
Lot Size	0.01 acres (436 sqft)
Owner	Company Name on Record
Last Sale	$985,000 (Aug 2022)
Tax Bill	$12,577 (2026)
Deeds & Mortgages	May 2023 Sale Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060-160-010-000`

Property Details

APN / Parcel Number

Primary APN	`060-160-010-000`
Alternative APNs	`060-160-010` `06016010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,004 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	436 sqft (0.01 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	060-160-010
Street Address	628 COTTAGE DR
City	NAPA
State	CA
Zip	94558-1212
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD
Legal Description	UNIT 11 CLUSTER 1 BLK 1 SILVERADO COTTAGES UNIT D 9R/M77
Legal Subdivision	SILVERADO COTTAGES UNIT D
Legal Block	1
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	3
Census Block	3000
Census Tract	201401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	628 COTTAGE DR, NAPA, CA 94558-1212
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Grant Deed, Transfer
Aug 23, 2022	Grant Deed, Transfer · Conventional Mortgage ADVANCIAL FCU
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Aug 17, 2018	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	202215934
Prior Transfer Date	May 9, 2012
Prior Transfer Doc	0000013201
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	May 1, 2023
Property Address	628 COTTAGE DR, NAPA, CA 94558-1212
Document Number	0000006596
Map Reference	MB 9 PG 77-85
Instrument Date	Feb 22, 2023
Instrument	2023-0006596
Transaction Type	Transfer
Record Updated	May 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 BANKS AVE, NAPA, CA 94559-2039

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Aug 23, 2022
Property Address	628 COTTAGE DR, NAPA, CA 94558-1212
Document Number	0000015934
Map Reference	MB 9 PG 77-85
Instrument Date	Aug 17, 2022
Instrument	2022-0015934
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1811 HOMESTEAD RD, SANTA CLARA, CA 95050-5217

Mortgage

Document Number	0000015935
Date	Aug 23, 2022
Instrument	2022-0015935

Lender

Name	ADVANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	8%
Max Rate At Change	10%
Index	1-Year CMT
Margin	3
Max Rate	14%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	628 COTTAGE DR, NAPA, CA 94558-1212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017225
Date	Jul 17, 2020
Instrument	2020-0017225

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	12-Month MTA
Max Rate	10.9%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Aug 17, 2018
Property Address	628 COTTAGE DR, NAPA, CA 94558-1212
Document Number	0000016123
Map Reference	MB9 PG77-85
Instrument Date	Aug 9, 2018
Instrument	2018-0016123
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2939 WEBSTER ST, SAN FRANCISCO, CA 94123-4005

Mortgage

Document Number	0000016124
Date	Aug 17, 2018
Instrument	2018-0016124

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	$12,577.00 (+2.09%)	$1,055,289 (+1.98%) Land $679,173 Building $376,116	$1,055,289 Land $679,173 Building $376,116
2025	$12,320.00 (+4.83%)	$1,034,794 (+4%) Land $665,856 Building $368,938
2023	$11,752.00 (+9.9%)	$995,000 Land $640,000 Building $355,000
2022	$10,693.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	11 (1986–2011)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Aug 2011 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 6 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.2% 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	CITY OF NAPA serves 84,804 people · EPA ID CA2810003
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	50 / 10

May also be available: Valley Internet, Verizon, Xfinity.

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