86 Lugo Ln, Napa, CA 94559 Property Records

Napa County property record for 86 Lugo Ln, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,340 sqft · built 1994
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$143,000 (Apr 1994)
Tax Bill	$3,400 (2026)
Deeds & Mortgages	Dec 2022 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-652-003-000`

Property Details

APN / Parcel Number

Primary APN	`046-652-003-000`
Alternative APNs	`046-652-003` `04665203`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,340 sqft Living Area
Gross Area	1,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Old Parcel Number	046-652-003
Street Address	86 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 19 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	19
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1029
Census Tract	200301

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	86 LUGO LN, NAPA, CA 94559-3560
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Intrafamily Transfer, Transfer
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 1994 · Amount on Record
Deed Sale	Apr 14, 1994 · Amount on Record
Deed Document Number	199412827
Last Transfer Date	Dec 8, 2022
Transfer Doc	0000021805
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Dec 8, 2022
Property Address	86 LUGO LN, NAPA, CA 94559-3560
Document Number	0000021805
Map Reference	MB 19 PG 17&18
Instrument Date	Dec 8, 2022
Instrument	2022-0021805
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	86 LUGO LN, NAPA, CA 94559-3560

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	86 LUGO LN, NAPA, CA 94559-3560
Document Number	0000015980
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	86 LUGO LN NAPA CA 945593560, NAPA, CA 94559-3560

Mortgage

Document Number	0000015980
Date	Jul 7, 2020
Instrument	15980

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

Tax Assessment & Valuation

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	$3,400.00 (+2.26%) Homeowner's exemption	$254,488 (+2%) Land $114,408 Building $140,080	$254,488 Land $114,408 Building $140,080
2025	$3,325.00 (+4.69%) Homeowner's exemption	$249,499 (+4.04%) Land $112,165 Building $137,334
2023	$3,176.00 (+1.31%) Homeowner's exemption	$239,812 Land $107,810 Building $132,002
2022	$3,135.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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