20 Saddle Ln, Novato, CA 94947 Property Records

Marin County property record for 20 Saddle Ln, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,452 sqft · built 1983
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on File
Last Sale	$1,550,000 (Aug 2022)
Tax Bill	$23,193 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`125-331-04`

Property Details

APN / Parcel Number

Primary APN	`125-331-04`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,452 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Lot Area	55,321 sqft
Garage Area	723 sqft
Parking Spaces	3 Parking Spaces
Pool Area	450 sqft
Deck Area	248 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20 SADDLE LN
City	NOVATO
State	CA
Zip	94947-3623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 17 PG 84 LOT 4
Legal Subdivision	VERISSIMO VALLE 01
Legal Lot Number	4
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	2
Census Block	2011
Census Tract	103100

Owner

20 Saddle Ln is owned by two individuals who bought it in August 2022.

Source: Marin County records, as of July 13, 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 Individual Names on File
Mailing Address	92 OAK GROVE DR, NOVATO, CA 94949-7219
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Commercial Mortgage FIRST BRIDGE FUNDING INC
Aug 8, 2022	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Sep 9, 2021	Deed of Trust, Mortgage · Construction Mortgage BBVA USA
Dec 5, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	202228898
Prior Transfer Date	Mar 22, 2005
Prior Transfer Doc	0000025967
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	20 SADDLE LN, NOVATO, CA 94947-3623
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SHASTA LN, NOVATO, CA 94947-3915

Mortgage

Document Number	0000004024
Date	Feb 23, 2026
Instrument	2026-0004024

Lender

Name	FIRST BRIDGE FUNDING INC
Type	Mortgage Company
Address	PETALUMA, CA 94954

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Aug 8, 2022
Property Address	20 SADDLE LN, NOVATO, CA 94947-3623
Document Number	0000028898
Map Reference	VOL 17 PG 84
Instrument Date	Aug 2, 2022
Instrument	2022-0028898
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	92 OAK GROVE DR, NOVATO, CA 94949-7219

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	20 SADDLE LN, NOVATO, CA 94947-3623
Transaction Type	Mortgage
Record Updated	Sep 21, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 364, VALLEY FORD, CA 94972-0364

Mortgage

Document Number	0000056515
Date	Sep 9, 2021
Instrument	2021-0056515

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Dec 5, 2019
Property Address	20 SADDLE LN, NOVATO, CA 94947-3623
Document Number	0000046222
Instrument Date	Dec 2, 2019
Instrument	46222
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,045.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 364 VALLEY FORD CA 949720364, VALLEY FORD, CA 94972-0364

Tax Assessment & Valuation

The 2025 property tax bill for 20 Saddle Ln was $23,193.

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		$2,394,860 (+27.89%) Land $1,061,200 Building $1,333,660
2025	$23,193.00	$1,872,620 Land $1,040,400 Building $832,220
2023	$19,624.00 (+53.61%)	$1,550,000 Land $1,000,000 Building $550,000
2022	$12,775.00

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

Flood

FEMA maps place 20 Saddle Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	2 in force
Nearby Flood Claims	3 (1982–1995)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 Saddle Ln is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 48% of California
Wildfire Likelihood	0.4% 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 189 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

Cell Coverage

5G and 4G LTE (outdoors only)

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