FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$131,098.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20 CAROB WAY, NOVATO, CA 94945-1830
Mortgage
Document Number
0000021242,
Date
Jul 23, 2026
Instrument
202621242
Lender
Name
JPMORGAN CHASE BANK
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Aug 1, 2056
Interest
Rate Type
Fixed Rate
Rate
6.52%
Initial Type
Fixed Rate
Max Rate
-1%
October 2021: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
MARIN CA
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Transaction Type
Mortgage
Record Updated
Oct 11, 2021
Title Company
FIRST AMERICAN TITLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20 CAROB WAY, NOVATO, CA 94945-1830
Mortgage
Document Number
0000060834
Date
Oct 1, 2021
Instrument
2021-0060834
Lender
Name
MUTUAL OF OMAHA MORTGAGE INC
Type
Mortgage Company
Address
SAN DIEGO, CA 92108
Agreement
Type
Reverse Mortgage
Amount
Amount on Record
October 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
MARIN CA
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000039701
Date
Oct 23, 2019
Instrument
2019-0039701
Lender
Name
SYNERGY ONE LENDING
Type
Lending Institution
Address
LAKEWOOD, NJ 08701
Agreement
Type
Reverse Mortgage
Amount
Amount on Record
June 2018: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
MARIN CA
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Document Number
0000021371
Instrument Date
Jun 7, 2018
Transaction Type
Mortgage
Record Updated
Nov 21, 2018
Title Company
PLACER TITLE COMPANY, PLACER TITLE CO.
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
20 CAROB WAY NOVATO CA 949451830, NOVATO, CA 94945-1830
Mortgage
Document Number
0000021371
Date
Jun 14, 2018
Instrument
21371
Lender
Name
FEDERAL HSNG COMMISSIONER
Address
451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Rate
4.22%
June 2018: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
MARIN CA
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Document Number
0000021370
Instrument Date
Jun 7, 2018
Transaction Type
Mortgage
Record Updated
Nov 21, 2018
Title Company
PLACER TITLE COMPANY, PLACER TITLE CO.
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
20 CAROB WAY NOVATO CA 949451830, NOVATO, CA 94945-1830
Mortgage
Document Number
0000021370
Date
Jun 14, 2018
Instrument
21370
Lender
Name
RETIREMENT FNDG SOLUTIONS
Address
3131 CAMINO DEL RIO N # 190, SAN DIEGO, CA 92108-5702
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Rate
4.22%
June 2018: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
MARIN CA
Recording Date
Jun 14, 2018
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Document Number
0000021369
Map Reference
VOL18 PG20
Instrument Date
Jun 4, 2018
Instrument
2018-0021369
Transaction Type
Transfer
Record Updated
Aug 13, 2021
Title Company
PLACER TITLE CO
Transaction
Tax
$0.00
Amount Accuracy
Transfer Tax Exempt
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Address
00000
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20 CAROB WAY, NOVATO, CA 94945-1830
Mortgage
Document Number
0000021370
Date
Jun 14, 2018
Instrument
2018-0021370
Lender
Name
SYNERGY ONE LENDING
Type
Lending Institution
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Rate
4.22%
Type Change Date
Jul 1, 2019
Change Frequency
Annually
Min Rate At Change
2%
Max Rate At Change
5%
Index
1-Year LIBOR
Max Rate
7.01%
June 2017: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
MARIN CA
Recording Date
Jun 2, 2017
Property Address
20 CAROB WAY, NOVATO, CA 94945-1830
Document Number
0000021987
Instrument Date
May 25, 2017
Instrument
21987
Transaction Type
Transfer
Record Updated
Jun 13, 2017
Title Company
FIDELITY NATIONAL TITLE
Transaction
Tax
$0.00
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
20 CAROB WAY NOVATO CA 949451830, NOVATO, CA 94945-1830
Mortgage
Document Number
21988
Date
Jun 2, 2017
Instrument
21988
Lender
Name
REDWOOD CU
Type
Credit Union
Address
SANTA ROSA, CA 95403
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jun 1, 2047
Interest
Rate Type
Adjustable Rate
Rate
3.62%
Mortgage
Document Number
21989,
Date
Jun 2, 2017
Instrument
21989
Lender
Name
REDWOOD CU
Type
Credit Union
Address
SANTA ROSA, CA 95403
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
300 Months
Due
Jun 1, 2042
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 20 Carob Way was $15,522.
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
$1,201,127 (+2%)Land $683,235Building $517,892
2025
$15,522.00
$1,177,578Land $669,840Building $507,738
2023
$14,957.00 (+2.35%)
$1,131,861Land $643,835Building $488,026
2022
$14,614.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 20 Carob Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 Claims
1 (2017)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
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 20 Carob Way is moderate, ranking above 46% 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 46% of the US · lower than 72% 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 159 locations within half a mile, as of December 31, 2025