1 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 1 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,483 sqft · built 1964
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Sep 2021)
Tax Bill	$13,674 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Nov 2018 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-201-19`

Property Details

APN / Parcel Number

Primary APN	`157-201-19`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,483 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Lot Area	7,700 sqft (0.177 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	124 sqft
Patio Area	124 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEL-MARIN KEYS #1-A
Legal Lot Number	1
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

Source: Marin County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 MONTEGO KY, NOVATO, CA 94949-5322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 27, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	202159723
Prior Transfer Date	Oct 21, 2014
Prior Transfer Doc	0000045779
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Sep 27, 2021
Property Address	1 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000059723
Map Reference	VOL 11 PG 58
Instrument Date	Sep 21, 2021
Instrument	2021-0059723
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1 MONTEGO KY, NOVATO, CA 94949-5322

Mortgage

Document Number	0000059724
Date	Sep 27, 2021
Instrument	2021-0059724

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	1 MONTEGO KY, NOVATO, CA 94949-5322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040746
Date	Nov 29, 2018
Instrument	2018-0040746

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 21, 2048

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Aug 27, 2020
Property Address	1 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000039070
Map Reference	VOL 11 PG 58
Instrument Date	Aug 21, 2020
Instrument	2020-0039070
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$977.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1 MONTEGO KY, NOVATO, CA 94949-5322

Mortgage

Document Number	0000039071
Date	Aug 27, 2020
Instrument	2020-0039071

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Unified School District	Novato Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$863,016 (+2%) Land $454,443 Building $408,573
2025	$13,674.00 (+2%)	$846,100 (+4.04%) Land $445,535 Building $400,565
2023	$11,395.00 (+2.69%)	$813,255 Land $428,240 Building $385,015
2022	$11,097.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 281 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	281 in force
Nearby Flood Claims	10 (1982–2023)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Feb 2023
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.04% 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	NORTH MARIN WATER DISTRICT serves 61,691 people · EPA ID CA2110003
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2024–2026) 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Montego Key

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