92 Lugo Ln, Napa, CA 94559 Property Records

Napa County property record for 92 Lugo Ln, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 839 sqft · built 1994
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,500 (Apr 2018)
Tax Bill	$4,387 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-652-002-000`

Property Details

APN / Parcel Number

Primary APN	`046-652-002-000`
Alternative APNs	`046-652-002` `04665202`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	839 sqft Living Area
Gross Area	1,075 sqft
1st Floor Area	839 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	236 sqft
Parking Spaces	1 Parking Space
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	046-652-002
Street Address	92 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 20 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	20
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	2 Individual Names on Record
Mailing Address	92 LUGO LN, NAPA, CA 94559-3560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 2, 2018	Grant Deed, Transfer MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Mar 2, 2007 · Amount on Record
Deed Document Number	20186599
Prior Transfer Date	Feb 7, 2005
Prior Transfer Doc	0000005026
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	92 LUGO LN, NAPA, CA 94559-3560
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 LUGO LN, NAPA, CA 94559-3560

Mortgage

Document Number	0000003219
Date	Jan 29, 2021
Instrument	2021-0003219

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	92 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	0000019618
Date	Sep 27, 2019
Instrument	2019-0019618

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Apr 2, 2018
Property Address	92 LUGO LN, NAPA, CA 94559-3560
Document Number	0000006599
Instrument Date	Mar 28, 2018
Instrument	6599
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.35
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	92 LUGO LN NAPA CA 945593560, NAPA, CA 94559-3560

Mortgage

Document Number	6602,
Date	Apr 2, 2018
Instrument	6602

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	NAPA, CA 94559

Agreement

Amount	Amount Recorded

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	$4,387.00 (+2.24%) Homeowner's exemption	$323,216 (+2%) Land $116,056 Building $207,160	$323,216 Land $116,056 Building $207,160
2025	$4,291.00 (+4.61%) Homeowner's exemption	$316,880 (+4.04%) Land $113,781 Building $203,099
2023	$4,102.00 (+1.28%) Homeowner's exemption	$304,576 Land $109,363 Building $195,213
2022	$4,050.00

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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