910 el Centro Ave, Napa, CA 94558 Property Records

Napa County property record for 910 el Centro Ave, Napa, CA 94558

Property Summary

Property Type	Rural Home
Details	6 bd · 6 ba · 8,062 sqft · built 2003
Lot Size	6 acres (261,360 sqft)
Owner	2 Company Names on File
Last Sale	$3,319,500 (Mar 2021)
Tax Bill	$48,083 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`038-080-009-000`

Property Details

APN / Parcel Number

Primary APN	`038-080-009-000`
Alternative APN	`03808009`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	8,062 sqft Living Area

Exterior

Year Built	Built 2003
Construction Type	Wood
Lot Area	261,360 sqft (6 acres)
Garage Type	Attached
Garage Area	2,470 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	03808009
Street Address	910 EL CENTRO AVE
City	NAPA
State	CA
Zip	94558-1982
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
Legal Description	SUBD:COLE RANCH
Legal Subdivision	COLE RANCH
Legal Lot Number	1
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	2
Census Block	2000
Census Tract	200602

Owner

Source: Napa County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Apr 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK OF CENTRAL CA
Dec 13, 2022	Intrafamily Transfer, Transfer
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Mar 4, 2021	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Mar 4, 2021 · Amount on Record
Deed Sale	Mar 4, 2021 · Amount on Record
Prior Sale	Mar 4, 2021 · Amount on Record
Deed Document Number	0000008769
Last Transfer Date	Dec 13, 2022
Transfer Doc	0000021972
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EL CENTRO AVE, NAPA, CA 94558-1982

Mortgage

Document Number	0000018707
Date	Dec 23, 2025
Instrument	2025-0018707

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2036
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EL CENTRO AVE, NAPA, CA 94558-1982

Mortgage

Document Number	0000005010
Date	Apr 10, 2024
Instrument	2024-0005010

Lender

Name	CITIBANK NA
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368

Agreement

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

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EL CENTRO AVE, NAPA, CA 94558-1982

Mortgage

Document Number	0000005939
Date	Apr 17, 2023
Instrument	2023-0005939

Lender

Name	FARMERS & MERCHANTS BANK OF CENTRAL CA
Type	Bank
Address	LODI, CA 95241

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAPA CA
Recording Date	Dec 13, 2022
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Document Number	0000021972
Instrument Date	Aug 16, 2022
Instrument	2022-0021972
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	Revocable Trust
Address	910 EL CENTRO AVE, NAPA, CA 94558-1982

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007508
Date	Mar 27, 2020
Instrument	2020-0007508

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Mar 4, 2021
Property Address	910 EL CENTRO AVE, NAPA, CA 94558-1982
Document Number	0000008769
Instrument Date	Dec 22, 2020
Instrument	2021-0008769
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	910 EL CENTRO AVE, NAPA, CA 94558-1982

Mortgage

Document Number	0000008770
Date	Mar 4, 2021
Instrument	2021-0008770

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Napa County assessment roll, as of July 1, 2025

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
2025	$48,083.00 (+26.68%) Homeowner's exemption	$4,314,558 (+24.89%) Land $1,325,978 Building $2,988,580
2023	$37,957.00 (+1.51%) Homeowner's exemption	$3,454,736 Land $1,274,490 Building $2,180,246
2022	$37,393.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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