680 Cottage Dr, Napa, CA 94558 Property Records

Napa County property record for 680 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	$860,000 (Sep 2023)
Tax Bill	$10,791 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`060-160-048-000`

Property Details

APN / Parcel Number

Primary APN	`060-160-048-000`
Alternative APNs	`060-160-048` `06016048`

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 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	060-160-048
Street Address	680 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 2 CLUSTER 4 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

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	2045 GERI LN, HILLSBOROUGH, CA 94010-6321
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 7, 2023	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Deed Document Number	202313054
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	680 COTTAGE DR, NAPA, CA 94558-1212
Transaction Type	Mortgage
Record Updated	Feb 1, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 GERI LN, HILLSBOROUGH, CA 94010-6321

Mortgage

Document Number	0000001003
Date	Jan 24, 2024
Instrument	2024-0001003

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Feb 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.6%
Margin	3
Max Rate	11.6%

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Sep 7, 2023
Property Address	680 COTTAGE DR, NAPA, CA 94558-1212
Document Number	0000013054
Map Reference	MB 9 PG 77-85
Instrument Date	Sep 5, 2023
Instrument	2023-0013054
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	2045 GERI LN, HILLSBOROUGH, CA 94010-6321

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	$10,791.00 (+2.11%)	$894,743 (+2%) Land $581,583 Building $313,160	$894,743 Land $581,583 Building $313,160
2025	$10,568.00 (+391.76%)	$877,200 (+642.55%) Land $570,180 Building $307,020
2023	$2,149.00 (+0.19%)	$118,134 Land $56,063 Building $62,071
2022	$2,145.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 59% of the US · lower than 64% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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