16 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 16 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,929 sqft · built 1963
Lot Size	0.25 acres (10,880 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Jan 2016)
Tax Bill	$16,147 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`157-202-09`

Property Details

APN / Parcel Number

Primary APN	`157-202-09`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,929 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Lot Area	10,880 sqft (0.25 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	849 sqft
Patio Area	1,038 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	16 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 160
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	160
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

16 Montego Key is owned and occupied by two individuals who bought it in January 2016.

Source: Marin County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 MONTEGO KY, NOVATO, CA 94949-5323
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · Commercial Mortgage FORTE VENTURES LLC
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Prior Sale	Aug 12, 2010 · Amount on File
Deed Document Number	20162030
Prior Transfer Date	Aug 10, 2010
Prior Transfer Doc	0000038783
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONTEGO KY, NOVATO, CA 94949-5323

Mortgage

Document Number	0000002752
Date	Jan 29, 2024
Instrument	2024-0002752

Lender

Name	FORTE VENTURES LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONTEGO KY, NOVATO, CA 94949-5323

Mortgage

Document Number	0000061251
Date	Oct 5, 2021
Instrument	2021-0061251

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015010
Date	Apr 27, 2018
Instrument	2018-0015010

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	16 MONTEGO KY, NOVATO, CA 94949-5323
Document Number	0000011608
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16 MONTEGO KY NOVATO CA 949495323, NOVATO, CA 94949-5323

Mortgage

Document Number	0000011608
Date	Apr 9, 2019
Instrument	11608

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 8, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 16 Montego Key was $16,147 with a homeowner's exemption.

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		$1,086,696 (+2%) Land $664,092 Building $422,604
2025	$16,147.00 Homeowner's exemption	$1,065,392 Land $651,073 Building $414,319
2023	$13,803.00 (+2.24%)	$1,024,028 Land $625,795 Building $398,233
2022	$13,500.00

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

Flood

FEMA maps place 16 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	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 16 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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