20 Cottage Ln, Novato, CA 94949 Property Records

Marin County property record for 20 Cottage Ln, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,956 sqft · built 2020
Lot Size	0.067 acres (2,935 sqft)
Owner	2 Company Names on Record
Last Sale	$1,050,000 (Jun 2024)
Tax Bill	$13,696 (2025)
Deeds & Mortgages	Jan 2024 Transfer Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-860-14`

Property Details

APN / Parcel Number

Primary APN	`157-860-14`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,956 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	2,935 sqft (0.067 acres)
Deck Area	152 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20 COTTAGE LN
City	NOVATO
State	CA
Zip	94949-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MAP OF HAMILTON COTTAGES
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	2
Census Block	2008
Census Tract	105002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	20 COTTAGE LN, NOVATO, CA 94949-5803
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Intrafamily Transfer, Transfer
Dec 18, 2020	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2024 · Amount on Record
Deed Sale	Jun 21, 2024 · Amount on Record
Prior Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	202417639
Prior Transfer Date	Jan 16, 2024
Prior Transfer Doc	0000002796
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Jan 30, 2024
Property Address	20 COTTAGE LN, NOVATO, CA 94949-5803
Document Number	0000002796
Map Reference	MB 2018 PG 118
Instrument Date	Jan 16, 2024
Instrument	2024-0002796
Transaction Type	Transfer
Record Updated	Feb 13, 2024

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 Trust
Address	20 COTTAGE LN, NOVATO, CA 94949-5803

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Dec 18, 2020
Property Address	20 COTTAGE LN, NOVATO, CA 94949-5803
Document Number	0000065388
Map Reference	MB 2018 PG 118
Instrument Date	Dec 7, 2020
Instrument	2020-0065388
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,067.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 COTTAGE LN, NOVATO, CA 94949-5803

Mortgage

Document Number	0000065389
Date	Dec 18, 2020
Instrument	2020-0065389

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$1,040,400 (+2%) Land $416,160 Building $624,240
2025	$13,696.00 (-3.2%)	$1,020,000 (+5.99%) Land $408,000 Building $612,000
2023	$14,149.00 (+2.11%)	$962,359 Land $400,543 Building $561,816
2022	$13,856.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 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 Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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