981 Capitola Dr, Napa, CA 94559 Property Records

Napa County property record for 981 Capitola Dr, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,395 sqft · built 2007
Lot Size	0.12 acres (5,227 sqft)
Owner	Trust Name on File
Last Sale	$890,000 (Aug 2018)
Tax Bill	$12,238 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-020-037-000`

Property Details

APN / Parcel Number

Primary APN	`046-020-037-000`
Alternative APN	`046-020-037`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,395 sqft Living Area
Gross Area	2,844 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Old Parcel Number	046-020-037
Street Address	981 CAPITOLA DR
City	NAPA
State	CA
Zip	94559-3579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI5
Legal Subdivision	NAPA TERRACE
Legal Lot Number	2
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	1
Census Block	1001
Census Tract	200301

Owner

981 Capitola Dr is held in a trust since September 2020.

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

Owner of Record	Trust Name on File
Mailing Address	981 CAPITOLA DR, NAPA, CA 94559-3579
Owner Type	Company
Vesting	Trust

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
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 22, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB
Aug 17, 2018	Grant Deed, Transfer · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	May 9, 2008 · Amount on File
Deed Document Number	201816093
Last Transfer Date	Sep 17, 2020
Transfer Doc	0000024097
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	981 CAPITOLA DR, NAPA, CA 94559-3579
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 CAPITOLA DR, NAPA, CA 94559-3579

Mortgage

Document Number	0000003523
Date	Feb 2, 2021
Instrument	2021-0003523

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAPA CA
Recording Date	Sep 22, 2020
Property Address	981 CAPITOLA DR, NAPA, CA 94559-3579
Document Number	0000024097
Instrument Date	Sep 17, 2020
Instrument	24097
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	981 CAPITOLA DR NAPA CA 945593579, NAPA, CA 94559-3579

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	981 CAPITOLA DR, NAPA, CA 94559-3579
Document Number	0000020801
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1507 A ST NAPA CA 945591647, NAPA, CA 94559-1647

Mortgage

Document Number	0000020801
Date	Oct 29, 2018
Instrument	20801

Lender

Name	TIAA FSB
Address	SAN FRANCISCO, CA 94105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2048

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NAPA CA
Recording Date	Aug 17, 2018
Property Address	981 CAPITOLA DR, NAPA, CA 94559-3579
Document Number	0000016093
Instrument Date	Aug 13, 2018
Instrument	16093
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.00
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	981 CAPITOLA DR NAPA CA 945593579, NAPA, CA 94559-3579

Mortgage

Document Number	16094
Date	Aug 17, 2018
Instrument	16094

Lender

Name	TIAA FSB
Address	SAN FRANCISCO, CA 94105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 981 Capitola Dr was $12,238, up 2.1% 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	$12,238.00 (+2.11%)	$1,012,661 (+2%) Land $354,999 Building $657,662	$1,012,661 Land $354,999 Building $657,662
2025	$11,985.00	$992,806 Land $348,039 Building $644,767
2023	$11,392.00 (+1.4%)	$954,256 Land $334,525 Building $619,731
2022	$11,235.00

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

Flood

FEMA maps place 981 Capitola Dr 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 981 Capitola Dr 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 411 locations within half a mile, as of December 31, 2025

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

May also be available: Valley Internet.

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