986 el Centro Ave, Napa, CA 94558 Property Records

Napa County property record for 986 el Centro Ave, Napa, CA 94558

Property Summary

Property Type	Vineyard
Details	4 bd · 5 ba · 3,946 sqft · built 2017
Lot Size	5.66 acres (246,985 sqft)
Owner	Trust Name on File
Last Sale	$1,100,000 (May 2014)
Tax Bill	$40,184 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-080-018-000`

Property Details

APN / Parcel Number

Primary APN	`038-080-018-000`
Alternative APNs	`038-080-018` `03808018`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Building Area	3,946 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	246,985 sqft
Garage Type	Detached
Garage Area	990 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	038-080-018
Street Address	986 EL CENTRO AVE
City	NAPA
State	CA
Zip	94558-1981
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Vineyard
Local Zoning Code	RC
Legal Subdivision	COLE RANCH
Legal Lot Number	14,15
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	2
Census Block	2000
Census Tract	200602

Owner

986 el Centro Ave, an agricultural property, is held in a trust since May 2014.

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

Owner of Record	Trust Name on File
Mailing Address	986 EL CENTRO AVE, NAPA, CA 94558-1981
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
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
Aug 24, 2017	Deed of Trust, Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2014 · Amount on File
Deed Sale	May 27, 2014 · Amount on File
Deed Document Number	201410360
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	986 EL CENTRO AVE, NAPA, CA 94558-1981
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 EL CENTRO AVE, NAPA, CA 94558-1981

Mortgage

Document Number	0000005122
Date	Mar 11, 2022
Instrument	2022-0005122

Lender

Name	MECHANICS BANK
Type	Bank
Address	ARROYO GRANDE, CA 93421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	986 EL CENTRO AVE, NAPA, CA 94558-1981
Document Number	0000019226
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Sep 4, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1247 DARLING ST NAPA CA 945581910, NAPA, CA 94558-1910

Mortgage

Document Number	0000019226
Date	Aug 25, 2017
Instrument	19226

Lender

Name	BANK OF THE WEST
Type	Bank
Address	13505 CALIFORNIA ST, OMAHA, NE 68154-5247

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 986 el Centro Ave was $40,184, up 6.4% 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	$40,184.00 (+6.43%)	$3,576,571 (+5.85%) Land $1,000,298 Building $2,576,273	$3,576,571 (+5.85%) Land $1,000,298 Building $2,576,273
2025	$37,758.00	$3,378,993 Land $980,685 Building $2,398,308	$3,378,993 Land $980,685 Building $2,398,308
2023	$35,727.00 (+1.75%)	$3,247,785 Land $942,604 Building $2,305,181
2022	$35,111.00

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

Flood

FEMA maps place 986 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 986 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 99.1% of the US · lower than 99.2% 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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