232 Waterside Cir, San Rafael, CA 94903 Property Records

Marin County property record for 232 Waterside Cir, San Rafael, CA 94903

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,578 sqft · built 1996
Lot Size	0.113 acres (4,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Dec 2022)
Tax Bill	$20,158 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`180-460-13`

Property Details

APN / Parcel Number

Primary APN	`180-460-13`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,578 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Lot Area	4,908 sqft (0.113 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	328 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	232 WATERSIDE CIR
City	SAN RAFAEL
State	CA
Zip	94903-2795
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 122
Legal Subdivision	MARIN LAGOON
Legal Lot Number	122
Jurisdiction	MARIN CA
Township / Civil Division	SAN RAFAEL
Census Block Group	2
Census Block	2002
Census Tract	106002

Owner

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 Record
Mailing Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Oct 23, 2019	Quit Claim Deed · Conventional Mortgage QUICKEN LNS
Jul 19, 2017	Deed, Transfer · Conventional Mortgage COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Prior Sale	Jul 19, 2017 · Amount on Record
Deed Document Number	202239341
Prior Transfer Date	Oct 16, 2019
Prior Transfer Doc	0000039710
Record Updated	Oct 29, 2026

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Dec 5, 2022
Property Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795
Document Number	0000039341
Map Reference	VOL 20 PG 62
Instrument Date	Nov 18, 2022
Instrument	2022-0039341
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,185.00
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	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795

Mortgage

Document Number	0000039342
Date	Dec 5, 2022
Instrument	2022-0039342

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030919
Date	Jul 17, 2020
Instrument	2020-0030919

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

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

October 2019: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	Oct 23, 2019
Property Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795
Document Number	0000039710
Instrument Date	Oct 16, 2019
Instrument	39710
Record Updated	Nov 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	232 WATERSIDE CIR SAN RAFAEL CA 949032795, SAN RAFAEL, CA 94903-2795

Mortgage

Document Number	39711
Date	Oct 23, 2019
Instrument	39711

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MARIN CA
Recording Date	Jul 19, 2017
Property Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795
Document Number	0000028625
Map Reference	VOL20 PG62
Instrument Date	Jul 13, 2017
Instrument	2017-0028625
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	232 WATERSIDE CIR, SAN RAFAEL, CA 94903-2795

Mortgage

Document Number	0000028626
Date	Jul 19, 2017
Instrument	2017-0028626

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$1,432,620 (+2%) Land $769,370 Building $663,250
2025	$20,158.00 (+6.25%)	$1,404,540 (+4.04%) Land $754,290 Building $650,250
2023	$18,973.00 (+29.74%)	$1,350,000 Land $725,000 Building $625,000
2022	$14,624.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 56 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	150 units insured incl. 94 condo units
Nearby Flood Claims	4 (1978–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Unwired, Verizon.

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