




1620 Spencer Street, Napa, CA, 94559
About This Home
Welcome to 1620 Spencer Street, a rare opportunity offering two separate residences in one of Napa's most desirable neighborhoods. Located in the charming Alphabet Streets adjacent to Downtown Napa, this versatile property combines timeless character, modern updates, and exceptional flexibility for today's lifestyle. The main house is a warm and inviting 2-bedroom, 1-bath retreat, anchored by gorgeous original hardwood floors that flow through the living room and both bedrooms, lending timeless character. The kitchen has been thoughtfully updated with a farmhouse white ceramic sink, stone tile flooring, a modern subway tile backsplash, and charming light fixtures come together for a space that feels vintage and modern, with a dedicated laundry area tucked neatly nearby. The bathroom continues with tile floors, lime-washed walls, and modern fixtures. Additional improvements include HVAC, owned solar and an updated electrical panel. Privately positioned at the rear of the property, the newly constructed, never-before-occupied 1-bedroom, 1-bath ADU offers its own entrance and private patio, creating a truly independent living space. Whether used for multigenerational living, guests, a home office, or rental income, the detached ADU provides outstanding flexibility. The backyard captures the essence of Napa Valley living with inviting outdoor entertaining spaces, a charming hobby vineyard, and the perfect setting for alfresco dining and relaxing with family and friends. Set among heritage homes and mature tree-lined streets, this exceptional location places you just moments from Downtown Napa's acclaimed restaurants, tasting rooms, boutique shopping, live entertainment, and year-round events. A unique property offering character, versatility, and the coveted Napa Valley lifestyle.
Getting Around
Schools
Construction
Condition
- Year built: 1937
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: In Kitchen,Inside Area
Basement
- Basement: None
Bathroom
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Level: Main
Features
- Number of fireplaces: 1
- Fireplace features: Free Standing,Gas Piped
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,152
- Total interior livable area: 1,152 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Property
Details
- Parcel number: 002099013000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 4,512 sqft
- Features: Auto Sprinkler F&R,Garden
Parking
- Total spaces: 1
- Parking features: No Garage
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Earthquake
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Napa County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,031 | $60,372 |
| Home Insurance * | $173 | $2,076 |
| Property Taxes | $1,020 | $12,240 |
| Electricity | $398 | $4,786 |
| Total | $6,622 | $79,464 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Listed for sale | $995,000 |
| 2021-08-06 | Sold | $740,000 |
| 2004-05-18 | Sold | $429,000 |
| 2003-07-18 | Sold | $375,000 |
| 2000-09-15 | Sold | $200,000 |
| 1995-08-11 | Sold | $125,000 |
