895 el Centro Ave, Napa, CA 94558 Property Records

Napa County property record for 895 el Centro Ave, Napa, CA 94558

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,582 sqft · built 1955
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Aug 2007)
Tax Bill	$10,153 (2026)
Deeds & Mortgages	Apr 2025 Line of Credit Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-110-025-000`

Property Details

APN / Parcel Number

Primary APN	`038-110-025-000`
Alternative APNs	`038-110-025` `03811025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,582 sqft Living Area
Gross Area	1,790 sqft
1st Floor Area	1,582 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1956
Construction Type	Wood
Roof Type	Gable
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	208 sqft
Parking Spaces	1 Parking Space
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Old Parcel Number	038-110-025
Street Address	895 EL CENTRO AVE
City	NAPA
State	CA
Zip	94558-1954
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
Legal Description	POTTERS SUB LOT 2
Legal Subdivision	POTTERS
Legal Lot Number	2
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	2
Census Block	2001
Census Tract	200602

Owner

895 el Centro Ave, a rural home, is owned and occupied by two individuals who acquired it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	895 EL CENTRO AVE, NAPA, CA 94558-1954
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 30, 2025	Deed of Trust, Mortgage · Line of Credit REDWOOD CU
Mar 30, 2026	Deed of Trust, Mortgage · Commercial Mortgage FIRST BRIDGE FUNDING INC
Mar 30, 2026	Intrafamily Transfer, Transfer · Commercial Mortgage FIRST BRIDGE FUNDING INC
Jun 13, 2017	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2007 · Amount on File
Deed Sale	Aug 31, 2007 · Amount on File
Prior Sale	Sep 17, 2004 · Amount on File
Deed Document Number	200728653
Last Transfer Date	Mar 20, 2026
Transfer Doc	0000004508
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	895 EL CENTRO AVE, NAPA, CA 94558-1954
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 EL CENTRO AVE, NAPA, CA 94558-1954

Mortgage

Document Number	0000005970
Date	Apr 30, 2025
Instrument	2025-0005970

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	895 EL CENTRO AVE, NAPA, CA 94558-1954
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 EL CENTRO AVE, NAPA, CA 94558-1954

Mortgage

Document Number	0000004524
Date	Mar 30, 2026
Instrument	2026-0004524

Lender

Name	FIRST BRIDGE FUNDING INC
Type	Mortgage Company
Address	NAPA, CA 94558

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Mar 30, 2026
Property Address	895 EL CENTRO AVE, NAPA, CA 94558-1954
Document Number	0000004508
Instrument Date	Mar 20, 2026
Instrument	2026-0004508
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 EL CENTRO AVE, NAPA, CA 94558-1954

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	895 EL CENTRO AVE, NAPA, CA 94558-1954

Mortgage

Document Number	0000004509
Date	Mar 30, 2026
Instrument	2026-0004509

Lender

Name	FIRST BRIDGE FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	895 EL CENTRO AVE, NAPA, CA 94558-1954
Document Number	0000013852
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	895 EL CENTRO AVE NAPA CA 945581954, NAPA, CA 94558-1954

Mortgage

Document Number	0000013852
Date	Jun 20, 2017
Instrument	13852

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 895 el Centro Ave was $10,153, up 2.3% 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	$10,153.00 (+2.34%)	$904,341 (+2%) Land $535,906 Building $368,435	$904,341 (+2%) Land $535,906 Building $368,435
2025	$9,921.00	$886,610 Land $525,399 Building $361,211	$886,610 Land $525,399 Building $361,211
2023	$9,396.00 (+1.48%)	$852,185 Land $504,999 Building $347,186
2022	$9,259.00

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

Flood

FEMA maps place 895 el Centro Ave in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

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 895 el Centro Ave is low, with less than 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Valley Internet Fixed Wireless	300 / 150

May also be available: Verizon.

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