197 Irwin St, San Rafael, CA 94901 Property Records

Marin County property record for 197 Irwin St, San Rafael, CA 94901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,651 sqft · built 1974
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Company Names on File
Last Sale	$349,000 (Jul 1998)
Tax Bill	$9,664 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-291-22`

Property Details

APN / Parcel Number

Primary APN	`013-291-22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,651 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,250 sqft (0.144 acres)
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	197 IRWIN ST
City	SAN RAFAEL
State	CA
Zip	94901-5228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAN RARAEL TER #2
Legal Subdivision	RAFAEL TERRACE 02
Legal Tract	2
Legal Lot Number	6
Jurisdiction	MARIN CA
Township / Civil Division	SAN RAFAEL
Census Block Group	4
Census Block	4000
Census Tract	112100

Owner

Source: Marin County records, as of July 31, 2026

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

Owner of Record	2 Company Names on File
Mailing Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF MARIN
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 1998 · Amount on File
Deed Sale	Jul 24, 1998 · Amount on File
Deed Document Number	199852227
Last Transfer Date	Feb 7, 2012
Transfer Doc	0000008996
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Recording Date	Jul 23, 2026
Property Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228
Document Number	0000021258
Instrument Date	Jul 13, 2026
Instrument	202621258
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228

Mortgage

Document Number	0000021258,
Date	Jul 23, 2026
Instrument	202621258

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 27, 2066

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228

Mortgage

Document Number	0000034516
Date	Dec 29, 2023
Instrument	2023-0034516

Lender

Name	BANK OF MARIN
Type	Bank
Address	NOVATO, CA 94948

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 IRWIN ST, SAN RAFAEL, CA 94901-5228

Mortgage

Document Number	0000049157
Date	Oct 13, 2020
Instrument	2020-0049157

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Municipality	San Rafael City
Elementary School District	San Rafael City Elementary School District (KG - 08)
Secondary School District	San Rafael City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$614,952 (+2%) Land $231,404 Building $383,548
2025	$9,664.00 (+7.25%)	$602,895 (+4.04%) Land $226,867 Building $376,028
2023	$9,011.00 (+5.39%)	$579,488 Land $218,059 Building $361,429
2022	$8,550.00

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

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1982–1998)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MARIN MUNICIPAL WATER DISTRICT serves 188,116 people · EPA ID CA2110002
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2019–2021) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 524 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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