80 Lugo Ln, Napa, CA 94559 Property Records

Napa County property record for 80 Lugo Ln, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,339 sqft · built 1994
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$268,500 (Jul 2018)
Tax Bill	$4,267 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-652-006-000`

Property Details

APN / Parcel Number

Primary APN	`046-652-006-000`
Alternative APN	`046-652-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,339 sqft Living Area
Gross Area	1,776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Roof Type	Gable
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	046-652-006
Street Address	80 LUGO LN
City	NAPA
State	CA
Zip	94559-3560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI5
Legal Description	LOT 18 SARATOGA CK SUB 19R/M18 REF MAP=14P/M8 IRRV OFFER DEDICATION 1339/4 S/D ESMT 1339/2 TO CITY HSG AUTH=92-028769 ABAND=92-030729 R/W=92-034915,6,7,8,9
Legal Subdivision	SARATOGA CREEK SUBD.
Legal Lot Number	18
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1029
Census Tract	200301

Owner

80 Lugo Ln is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	80 LUGO LN, NAPA, CA 94559-3560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 19, 2018	Grant Deed, Transfer · FHA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Prior Sale	May 17, 1994 · Amount on File
Deed Document Number	201814194
Prior Transfer Date	Mar 30, 2010
Prior Transfer Doc	0000007342
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	80 LUGO LN, NAPA, CA 94559-3560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016180
Date	Jul 8, 2020
Instrument	2020-0016180

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	80 LUGO LN, NAPA, CA 94559-3560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014487
Date	Jul 29, 2019
Instrument	2019-0014487

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Jul 19, 2018
Property Address	80 LUGO LN, NAPA, CA 94559-3560
Document Number	0000014194
Map Reference	MB19 PG17&18
Instrument Date	Jul 16, 2018
Instrument	2018-0014194
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	80 LUGO LN, NAPA, CA 94559-3560

Mortgage

Document Number	0000014195
Date	Jul 19, 2018
Instrument	2018-0014195

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Mortgage

Document Number	0000014196
Date	Jul 19, 2018
Instrument	2018-0014196

Lender

Name	CITY OF NAPA
Type	Government Agency
Address	NAPA, CA 94559

Agreement

Type	Commercial Mortgage

Tax Assessment & Valuation

The 2026 property tax bill for 80 Lugo Ln was $4,267, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,267.00 (+2.23%)	$305,500 (+2%) Land $147,915 Building $157,585	$305,500 (+2%) Land $147,915 Building $157,585
2025	$4,174.00	$299,511 Land $145,015 Building $154,496	$299,511 Land $145,015 Building $154,496
2023	$3,994.00 (+1.22%)	$287,883 Land $139,385 Building $148,498
2022	$3,946.00

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

Flood

FEMA maps place 80 Lugo Ln in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	83 (1982–2006)
Claims Outside the SFHA	3 of 83
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 23 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 33 claims Severe Storms & Flooding, Feb 1986 · 13 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 80 Lugo Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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