654 Cottage Dr, Napa, CA 94558 Property Records

Napa County property record for 654 Cottage Dr, Napa, CA 94558

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,004 sqft · built 1972
Lot Size	0.02 acres (871 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Jun 2012)
Tax Bill	$6,539 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-160-021-000`

Property Details

APN / Parcel Number

Primary APN	`060-160-021-000`
Alternative APNs	`060-160-021` `06016021`

Interior

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

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	871 sqft (0.02 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	060-160-021
Street Address	654 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 1 CLUSTER 3 BLK 2 SILVERADO COTTAGES UNIT D 9R/M77
Legal Subdivision	SILVERADO COTTAGES UNIT D
Legal Block	2
Legal Lot Number	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	222 WINTERGREEN CIR, NAPA, CA 94558-1584
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2012 · Amount on Record
Deed Sale	Jun 18, 2012 · Amount on Record
Prior Sale	May 2, 1994 · Amount on Record
Deed Document Number	201215698
Prior Transfer Date	Apr 25, 1994
Prior Transfer Doc	0000014794
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	654 COTTAGE DR, NAPA, CA 94558-1212
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 GARCIA AVE, SAN FRANCISCO, CA 94127-1010

Mortgage

Document Number	0000001046
Date	Jan 18, 2022
Instrument	2022-0001046

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Feb 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

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	$6,539.00 (+2.14%)	$512,457 (+2%) Land $288,258 Building $224,199	$512,457 Land $288,258 Building $224,199
2025	$6,402.00 (+4.2%)	$502,409 (+4.04%) Land $282,606 Building $219,803
2023	$6,144.00 (+1.04%)	$482,902 Land $271,633 Building $211,269
2022	$6,081.00

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 100 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.

Nearby Properties on Cottage Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures