16 Garner Dr, Novato, CA 94947 Property Records

Marin County property record for 16 Garner Dr, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,222 sqft · built 1975
Lot Size	0.303 acres (13,200 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Aug 2021)
Tax Bill	$17,771 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`151-183-15`

Property Details

APN / Parcel Number

Primary APN	`151-183-15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,222 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	13,200 sqft (0.303 acres)
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Pool Area	372 sqft
Deck Area	686 sqft
Patio Area	686 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16 GARNER DR
City	NOVATO
State	CA
Zip	94947-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L2 BETTENCOURT INDUSTR /B11P27 PM
Legal Subdivision	P11 27
Legal Lot Number	2
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	2
Census Block	2000
Census Tract	104103

Owner

16 Garner Dr is owned and occupied by an individual who bought it in August 2021.

Source: Marin County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	16 GARNER DR, NOVATO, CA 94947-4428
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 13, 2026	Deed of Trust, Mortgage · Line of Credit REDWOOD CREDIT UNION
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 16, 2021	Grant Deed, Transfer · Stand-Alone First Mortgage HERZER FINANCIAL SERVICES INC
Nov 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2021 · Amount on File
Deed Sale	Aug 16, 2021 · Amount on File
Prior Sale	Jul 7, 2006 · Amount on File
Deed Document Number	202151733
Prior Transfer Date	Feb 5, 2014
Prior Transfer Doc	0000005635
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Recording Date	Oct 13, 2026
Property Address	16 GARNER DR, NOVATO, CA 94947-4428
Document Number	0000029456
Instrument Date	Oct 5, 2026
Instrument	202629456
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GARNER DR, NOVATO, CA 94947-4428

Mortgage

Document Number	0000029456,
Date	Oct 13, 2026
Instrument	202629456

Lender

Name	REDWOOD CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2051

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 GARNER DR, NOVATO, CA 94947-4428
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GARNER DR, NOVATO, CA 94947-4428

Mortgage

Document Number	0000074489
Date	Dec 22, 2021
Instrument	2021-0074489

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 GARNER DR, NOVATO, CA 94947-4428
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GARNER DR, NOVATO, CA 94947-4428

Mortgage

Document Number	0000069256
Date	Nov 19, 2021
Instrument	2021-0069256

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Aug 16, 2021
Property Address	16 GARNER DR, NOVATO, CA 94947-4428
Document Number	0000051733
Map Reference	VOL 11 PG 27
Instrument Date	Aug 11, 2021
Instrument	2021-0051733
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GARNER DR, NOVATO, CA 94947-4428

Mortgage

Document Number	0000051734
Date	Aug 16, 2021
Instrument	2021-0051734

Lender

Name	HERZER FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Nov 3, 2020
Property Address	16 GARNER DR, NOVATO, CA 94947-4428
Document Number	0000054349
Map Reference	VOL 11 PG 27
Instrument Date	Oct 26, 2020
Instrument	2020-0054349
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	16 GARNER DR, NOVATO, CA 94947-4428

Mortgage

Document Number	0000054350
Date	Nov 3, 2020
Instrument	2020-0054350

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16 Garner Dr was $17,771.

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		$1,407,145 (+2%) Land $784,754 Building $622,391
2025	$17,771.00	$1,379,560 Land $769,370 Building $610,190
2023	$16,606.00 (+2.37%)	$1,326,000 Land $739,500 Building $586,500
2022	$16,222.00

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

Flood

FEMA maps place 16 Garner Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16 Garner Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Unwired, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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