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1620 Spencer Street, Napa, CA, 94559

3beds
2baths
1,152sqft
$995,000
$864price/sqft
$6,622/moest. monthly cost
$264,880/yrincome needed

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

85
WalkingVery Walkable
33
TransitSome Transit
81
BikeVery Bikeable

Schools

3/10
Shearer Charter SchoolGrades K-80.9 mi
6/10
Napa High SchoolGrades 9-120.6 mi
4/10
Redwood Middle SchoolGrades 6-81.7 mi

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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Napa County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

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

MonthlyAnnual
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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$227,040/yr
40% on housing$198,660/yr
45% on housing$176,586/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

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.

Insurance Growth Rate5-year average: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$864This listing

vs Other Active Listings

Avg $/sqft

ZIP 94559$684
Napa County$792

vs Homes Sold Last Month

Median $/sqft

ZIP 94559$612
Napa County$522

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

DateEventPrice
2026-07-22Listed for sale$995,000
2021-08-06Sold$740,000
2004-05-18Sold$429,000
2003-07-18Sold$375,000
2000-09-15Sold$200,000
1995-08-11Sold$125,000

For Sale by Agent

AgentMonica Cline
BrokerageCompass

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