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1622 Spencer Street, Napa, CA, 94559

2beds
2baths
876sqft
$799,000
$912price/sqft
$5,439/moest. monthly cost
$217,560/yrincome needed

About This Home

Charming Craftsman bungalow in a prime Napa location! This 2-bedroom, 2-bath home blends classic character with everyday convenience. The spacious detached garage offers excellent potential for an ADU, workshop, or additional storage. RV and boat parking provide added flexibility for outdoor enthusiasts. Centrally located and just minutes from downtown Napa, shopping, dining, and convenient highway access. Nestled in a quiet, picturesque neighborhood known for its walkability and bike-friendly streets, this property offers the perfect balance of charm, comfort, and accessibility.

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: 1912

Materials

  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas Piped,Living Room,Metal
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Fireplace(s),Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 876
  • Total interior livable area: 876 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 002099014000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Full,Wood

Lot

  • Lot size: 4,321 sqft
  • Features: Other

Parking

  • Total spaces: 6
  • Parking features: Detached,Garage Faces Front,RV Access/Parking,RV Possible
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 $4,040$48,480
Home Insurance *$139$1,668
Property Taxes $862$10,344
Electricity $398$4,786
Total$5,439$65,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,480/yr
40% on housing$163,170/yr
45% on housing$145,040/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

$912This listing

vs Other Active Listings

Avg $/sqft

ZIP 94559$686
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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$799,000
2026-07-24Price change$799,000
2026-07-08Listed for sale$825,000
2022-10-12Listing removed$778,000
2022-09-21Listed for sale$778,000
2002-10-04Sold$238,000
2001-12-27Sold$179,000

For Sale by Agent

AgentJosh Diaz
BrokerageColdwell Banker Brokers of the

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