664 Cottage Dr, Napa, CA 94558 Property Records

Napa County property record for 664 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	Trust Name on File
Last Sale	$650,000 (May 2017)
Tax Bill	$9,377 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-160-003-000`

Property Details

APN / Parcel Number

Primary APN	`060-160-003-000`
Alternative APNs	`060-160-003` `06016003`

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 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	060-160-003
Street Address	664 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 10 CLUSTER 3 BLK 2 SILVERADO COTTAGES UNIT D 9R/M77
Legal Subdivision	SILVERADO COTTAGES UNIT D
Legal Block	2
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	3
Census Block	3000
Census Tract	201401

Owner

664 Cottage Dr, a condominium, is held in a trust since May 2017.

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

Owner of Record	Trust Name on File
Mailing Address	1653 ATLAS PEAK RD, NAPA, CA 94558-1426
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
May 30, 2017	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	Oct 28, 2005 · Amount on File
Deed Document Number	201712224
Prior Transfer Date	Sep 7, 1995
Prior Transfer Doc	0000019720
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	664 COTTAGE DR, NAPA, CA 94558-1212
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 COTTAGE DR, NAPA, CA 94558-1212

Mortgage

Document Number	0000024713
Date	Jul 30, 2021
Instrument	2021-0024713

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Index	1-Year CMT
Max Rate	10.9%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	May 30, 2017
Property Address	664 COTTAGE DR, NAPA, CA 94558-1212
Document Number	0000012224
Instrument Date	May 22, 2017
Instrument	12224
Transaction Type	Transfer
Record Updated	Jun 7, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1944 BUSH ST SAN FRANCISCO CA 941153205, SAN FRANCISCO, CA 94115-3205

Mortgage

Document Number	12225
Date	May 30, 2017
Instrument	12225

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 664 Cottage Dr was $9,377, up 2.1% 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	$9,377.00 (+2.09%)	$767,624 (+1.97%) Land $574,138 Building $193,486	$767,624 Land $574,138 Building $193,486
2025	$9,185.00	$752,770 Land $562,881 Building $189,889
2023	$8,783.00 (+1.14%)	$723,929 Land $541,025 Building $182,904
2022	$8,684.00

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

Flood

FEMA maps place 664 Cottage Dr in Zone X, an area of minimal 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 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 File 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

Wildfire risk around 664 Cottage Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of 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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