1045 Susan Way, Novato, CA 94947 Property Records

Marin County property record for 1045 Susan Way, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,967 sqft · built 1980
Lot Size	0.05 acres (2,184 sqft)
Owner	Individual Name on Record
Last Sale	$985,000 (Sep 2026)
Tax Bill	$12,240 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-591-25`

Property Details

APN / Parcel Number

Primary APN	`160-591-25`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,967 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1983
Architectural Style	Colonial
Lot Area	2,184 sqft (0.05 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	126 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1045 SUSAN WAY
City	NOVATO
State	CA
Zip	94947-6904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 17 PG 99 UNIT 1 LOT 25
Legal Subdivision	HILLSIDE PARK 01
Legal Lot Number	25
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1045 SUSAN WAY, NOVATO, CA 94947-6904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Grant Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE LENDING
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jul 20, 2021	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 25, 2018	Grant Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jul 20, 2021 · Amount on Record
Deed Document Number	202626335
Prior Transfer Date	Oct 6, 2011
Prior Transfer Doc	0000050695
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Sep 14, 2026
Property Address	1045 SUSAN WAY, NOVATO, CA 94947-6904
Document Number	0000026335
Instrument Date	Sep 10, 2026
Instrument	202626335
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,433.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 SUSAN WAY, NOVATO, CA 94947-6904

Mortgage

Document Number	0000026336,
Date	Sep 14, 2026
Instrument	202626336

Lender

Name	AMERICAN HERITAGE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	1045 SUSAN WAY, NOVATO, CA 94947-6904
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 SUSAN WAY, NOVATO, CA 94947-6904

Mortgage

Document Number	0000037687
Date	Nov 15, 2022
Instrument	2022-0037687

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jul 20, 2021
Property Address	1045 SUSAN WAY, NOVATO, CA 94947-6904
Document Number	0000046830
Map Reference	VOL 17 PG 99
Instrument Date	Jul 13, 2021
Instrument	2021-0046830
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1045 SUSAN WAY, NOVATO, CA 94947-6904

Mortgage

Document Number	0000046831
Date	Jul 20, 2021
Instrument	2021-0046831

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	May 25, 2018
Property Address	1045 SUSAN WAY, NOVATO, CA 94947-6904
Document Number	0000018804
Instrument Date	May 3, 2018
Instrument	18804
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 SUSAN WAY NOVATO CA 949476904, NOVATO, CA 94947-6904

Mortgage

Document Number	18805
Date	May 25, 2018
Instrument	18805

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$968,764 (+2%) Land $460,028 Building $508,736
2025	$12,240.00 (+3.76%) Homeowner's exemption	$949,773 (+4.04%) Land $451,010 Building $498,763
2023	$11,797.00 (+2.45%) Homeowner's exemption	$912,900 Land $433,500 Building $479,400
2022	$11,515.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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