12 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 12 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,787 sqft · built 1964
Lot Size	0.22 acres (9,600 sqft)
Owner	Company Name on File
Last Sale	$1,500,000 (Sep 2021)
Tax Bill	$22,083 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-202-10`

Property Details

APN / Parcel Number

Primary APN	`157-202-10`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,787 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1982
Architectural Style	Contemporary
Lot Area	9,600 sqft (0.22 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	459 sqft
Patio Area	459 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	12 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 11 PG 58 UNIT 1A LOT 161
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	161
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

12 Montego Key is owned by a company that bought it in September 2021.

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

Owner of Record	Company Name on File
Mailing Address	945 FRONT ST, NOVATO, CA 94945-3207
Owner Type	Company
Vesting	Limited Liability Company

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

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANK OF MARIN
Sep 24, 2021	Grant Deed, Transfer · Commercial Mortgage ELLIOTT FAMILY TRUST 1999

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Deed Document Number	202159427
Prior Transfer Date	Nov 17, 1999
Prior Transfer Doc	0000084302
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	12 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 FRONT ST, NOVATO, CA 94945-3207

Mortgage

Document Number	0000007141
Date	Mar 24, 2023
Instrument	2023-0007141

Lender

Name	BANK OF MARIN
Type	Bank
Address	NOVATO, CA 94948

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Sep 24, 2021
Property Address	12 MONTEGO KY, NOVATO, CA 94949-5323
Document Number	0000059427
Map Reference	VOL 11 PG 58
Instrument Date	Sep 16, 2021
Instrument	2021-0059427
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 CHAMBERLAIN AVE, NOVATO, CA 94947-4332

Mortgage

Document Number	0000059428
Date	Sep 24, 2021
Instrument	2021-0059428

Lender

Name	ELLIOTT FAMILY TRUST 1999
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 Montego Key was $22,083.

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		$1,623,630 (+2%) Land $1,082,420 Building $541,210
2025	$22,083.00	$1,591,800 Land $1,061,200 Building $530,600
2023	$19,546.00 (+2.72%)	$1,530,000 Land $1,020,000 Building $510,000
2022	$19,028.00

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

Flood

FEMA maps place 12 Montego Key in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	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

Wildfire risk around 12 Montego Key is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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