20 Harding Dr, Novato, CA 94947 Property Records

Marin County property record for 20 Harding Dr, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1964
Lot Size	0.265 acres (11,550 sqft)
Owner	2 Company Names on Record
Last Sale	$1,720,000 (Apr 2022)
Tax Bill	$21,965 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`151-171-16`

Property Details

APN / Parcel Number

Primary APN	`151-171-16`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Lot Area	11,550 sqft (0.265 acres)
Deck Area	459 sqft
Patio Area	369 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20 HARDING DR
City	NOVATO
State	CA
Zip	94947-4465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RANCHO VILLAGE #5
Legal Lot Number	194
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	2
Census Block	2000
Census Tract	104103

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 HARDING DR, NOVATO, CA 94947-4465
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Apr 12, 2022	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Jun 23, 2020	Grant Deed, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Jun 7, 2019	Grant Deed, Transfer EMMERSON MD 1990 TRUST OF (RT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Jun 23, 2020 · Amount on Record
Deed Document Number	202215444
Prior Transfer Date	Oct 20, 2014
Prior Transfer Doc	0000044114
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	20 HARDING DR, NOVATO, CA 94947-4465
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARDING DR, NOVATO, CA 94947-4465

Mortgage

Document Number	0000023677
Date	Apr 8, 2021
Instrument	2021-0023677

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	20 HARDING DR, NOVATO, CA 94947-4465
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARDING DR, NOVATO, CA 94947-4465

Mortgage

Document Number	0000065867
Date	Oct 29, 2021
Instrument	2021-0065867

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Apr 12, 2022
Property Address	20 HARDING DR, NOVATO, CA 94947-4465
Document Number	0000015444
Map Reference	MB 10 PG 109
Instrument Date	Apr 4, 2022
Instrument	2022-0015444
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,892.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	20 HARDING DR, NOVATO, CA 94947-4465

Mortgage

Document Number	0000015445
Date	Apr 12, 2022
Instrument	2022-0015445

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jun 23, 2020
Property Address	20 HARDING DR, NOVATO, CA 94947-4465
Document Number	0000026127
Instrument Date	Jun 18, 2020
Instrument	2020-0026127
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	20 HARDING DR, NOVATO, CA 94947-4465

Mortgage

Document Number	0000026128
Date	Jun 23, 2020
Instrument	2020-0026128

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jun 7, 2019
Property Address	20 HARDING DR, NOVATO, CA 94947-4465
Document Number	0000019740
Instrument Date	May 30, 2019
Instrument	19740
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 CABRILLO ST #1 SAN FRANCISCO CA 941213545, 1, SAN FRANCISCO, CA 94121-3545

Mortgage

Document Number	19741
Date	Jun 7, 2019
Instrument	19741

Lender

Name	EMMERSON MD 1990 TRUST OF (RT)

Agreement

Amount	Amount Recorded

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		$1,859,379 (+2%) Land $1,082,420 Building $776,959
2025	$21,965.00 (+3.47%) Homeowner's exemption	$1,822,928 (+4.04%) Land $1,061,200 Building $761,728
2023	$21,228.00 (+28.13%) Homeowner's exemption	$1,752,154 Land $1,020,000 Building $732,154
2022	$16,567.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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	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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Unwired, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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