Marin County property record for 101 Montego Key, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,600 sqft · built 1963 |
| Lot Size | 0.285 acres (12,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (May 2016) |
| Tax Bill | $14,301 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Apr 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 157-211-01 |
| Primary APN | 157-211-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Contemporary |
| Lot Area | 12,415 sqft (0.285 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 424 sqft |
| Patio Area | 424 sqft |
| Heating System | Central |
|---|
| Street Address | 101 MONTEGO KY |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 26 |
| Legal Subdivision | BEL-MARIN KEYS 01-A |
| Legal Lot Number | 26 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 104300 |
101 Montego Key is owned and occupied by two individuals who bought it in May 2016.
Source: Marin County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 MONTEGO KY, NOVATO, CA 94949-5324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2016 · Amount on File |
| Deed Sale | May 10, 2016 · Amount on File |
| Prior Sale | Apr 21, 2009 · Amount on File |
| Deed Document Number | 201620538 |
| Prior Transfer Date | Jul 30, 1997 |
| Prior Transfer Doc | 0000041643 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 101 MONTEGO KY, NOVATO, CA 94949-5324 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 101 MONTEGO KY, NOVATO, CA 94949-5324 |
| Document Number | 0000064934 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 2021-0064934 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 101 MONTEGO KY, NOVATO, CA 94949-5324 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 101 MONTEGO KY, NOVATO, CA 94949-5324 |
| Document Number | 0000022821 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 2021-0022821 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 101 Montego Key was $14,301.
Source: Marin County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Marin County |
| Unified School District | Novato Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $917,654 (+2%) Land $603,720 Building $313,934 | |
| 2025 | $14,301.00 | $899,665 Land $591,885 Building $307,780 |
| 2023 | $12,003.00 (+2.7%) | $864,735 Land $568,905 Building $295,830 |
| 2022 | $11,688.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 101 Montego Key in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 101 Montego Key is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 125 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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