168 Bahama Reef, Novato, CA 94949 Property Records

Marin County property record for 168 Bahama Reef, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1975
Lot Size	0.241 acres (10,478 sqft)
Owner	2 Company Names on File
Last Sale	$1,600,000 (Jul 2020)
Tax Bill	$25,864 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`157-391-23`

Property Details

APN / Parcel Number

Primary APN	`157-391-23`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,572 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Lot Area	10,478 sqft (0.241 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	800 sqft
Patio Area	1,100 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	168 BAHAMA REEF
City	NOVATO
State	CA
Zip	94949-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L389 /B13P29 M BEL MARIN KEYS #3
Legal Subdivision	BEL MARIN KEYS 03
Legal Tract	3
Legal Lot Number	389
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1001
Census Tract	104300

Owner

168 Bahama Reef is owned by a company that bought it in July 2020 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	168 BAHAMA REEF, NOVATO, CA 94949-5305
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Jan 16, 2015 · Amount on File
Deed Document Number	202032867
Prior Transfer Date	Dec 18, 2014
Prior Transfer Doc	0000001885
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jul 27, 2020
Property Address	168 BAHAMA REEF, NOVATO, CA 94949-5305
Document Number	0000032867
Map Reference	VOL 13 PG 29
Instrument Date	Jul 22, 2020
Instrument	2020-0032867
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 BAHAMA REEF, NOVATO, CA 94949-5305

Mortgage

Document Number	0000032868
Date	Jul 27, 2020
Instrument	2020-0032868

Lender

Name	HSBC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 168 Bahama Reef was $25,864 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		$1,958,970 (+2%) Land $1,214,466 Building $744,504
2025	$25,864.00 Homeowner's exemption	$1,920,572 Land $1,190,662 Building $729,910
2023	$20,946.00 (+2.73%) Homeowner's exemption	$1,664,640 Land $1,144,440 Building $520,200
2022	$20,389.00

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

Flood

FEMA maps place 168 Bahama Reef 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	11.0 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 168 Bahama Reef 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	None beyond ember reach

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 31 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
AT&T DSL	100 / 20