Marin County property record for 129 Bahama Reef, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,389 sqft · built 1977 |
| Lot Size | 0.256 acres (11,160 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Dec 2019) |
| Tax Bill | $25,337 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Dec 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 157-392-10 |
| Primary APN | 157-392-10 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,389 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Contemporary |
| Lot Area | 11,160 sqft (0.256 acres) |
| Garage Area | 410 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 820 sqft |
| Patio Area | 820 sqft |
| Heating System | Central |
|---|
| Street Address | 129 BAHAMA REEF |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BEL-MARIN KEYS 03 |
| Legal Lot Number | 400 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 104300 |
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 | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 23, 2020 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Dec 2, 2019 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 19, 2018 | Grant Deed, Transfer OPES ADVISORS |
| Jan 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VIVOS GROSS F I TRUST (RT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on Record |
| Deed Sale | Dec 9, 2019 · Amount on Record |
| Prior Sale | Dec 2, 2019 · Amount on Record |
| Deed Document Number | 201946603 |
| Prior Transfer Date | Dec 3, 2019 |
| Prior Transfer Doc | 0000046603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000002988 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 2020-0002988 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Dec 2, 2019 |
| Property Address | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Document Number | 0000045571 |
| Map Reference | VOL 13 PG 29 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 2019-0045571 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $722.70 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Document Number | 0000045572 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 2019-0045572 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Mar 19, 2018 |
| Property Address | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Document Number | 0000009810 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 9810 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,815.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 129 BAHAMA REEF NOVATO CA 949495304, NOVATO, CA 94949-5304 |
| Document Number | 9811 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 9811 |
| Name | OPES ADVISORS |
|---|---|
| Address | 5151 CORPORATE DR, TROY, MI 48098-2639 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 18, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 129 BAHAMA REEF, NOVATO, CA 94949-5304 |
| Document Number | 0000000280 |
| Instrument Date | Jan 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 129 BAHAMA REEF NOVATO CA 949495304, NOVATO, CA 94949-5304 |
| Document Number | 0000000280 |
|---|---|
| Date | Jan 5, 2018 |
| Instrument | 280 |
| Name | VIVOS GROSS F I TRUST (RT) |
|---|---|
| Address | TRINIDAD DR, TIBURON, CA 94920 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,914,923 (+2%) Land $1,148,954 Building $765,969 | |
| 2025 | $25,337.00 (+11.65%) Homeowner's exemption | $1,877,385 (+4.04%) Land $1,126,431 Building $750,954 |
| 2023 | $22,693.00 (+2.73%) Homeowner's exemption | $1,804,488 Land $1,082,693 Building $721,795 |
| 2022 | $22,091.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 48 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 |
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