245 Spencer Ave, Sausalito, CA 94965 Property Records

Marin County property record for 245 Spencer Ave, Sausalito, CA 94965

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,852 sqft · built 1989
Lot Size	0.123 acres (5,346 sqft)
Owner	2 Company Names on Record
Last Sale	$1,625,000 (Jun 2016)
Tax Bill	$25,121 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`065-182-22`

Property Details

APN / Parcel Number

Primary APN	`065-182-22`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood
Roof Material	Wood Shingle
Lot Area	5,346 sqft (0.123 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	245 SPENCER AVE
City	SAUSALITO
State	CA
Zip	94965-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	L10* /CLOUD VIEW ACRES
Legal Subdivision	CLOUD VIEW ACRES
Legal Lot Number	10
Jurisdiction	MARIN CA
Township / Civil Division	SOUTHEAST MARIN
Census Block Group	3
Census Block	3008
Census Tract	130201

Owner

Source: Marin County records, as of October 6, 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	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Apr 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Jul 8, 2019	Deed of Trust, Mortgage · ARM PRIMARY RESIDENTIAL MORTGAGE INC
Jan 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2016 · Amount on Record
Deed Sale	Jun 23, 2016 · Amount on Record
Prior Sale	Nov 3, 2009 · Amount on Record
Deed Document Number	201628041
Prior Transfer Date	May 19, 2014
Prior Transfer Doc	0000021927
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Recording Date	Sep 24, 2026
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Document Number	0000027426
Instrument Date	Sep 18, 2026
Instrument	202627426
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023

Mortgage

Document Number	0000027426,
Date	Sep 24, 2026
Instrument	202627426

Lender

Name	FIRST TECHNOLOGY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2056

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023

Mortgage

Document Number	0000057161
Date	Sep 14, 2021
Instrument	2021-0057161

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014967
Date	Apr 13, 2017
Instrument	2017-0014967

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023637
Date	Jul 8, 2019
Instrument	2019-0023637

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003900
Date	Jan 30, 2020
Instrument	2020-0003900

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	Jul 1, 2020
Property Address	245 SPENCER AVE, SAUSALITO, CA 94965-2023
Document Number	0000027739
Instrument Date	Jun 25, 2020
Instrument	27739
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	245 SPENCER AVE SAUSALITO CA 949652023, SAUSALITO, CA 94965-2023

Tax Assessment & Valuation

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Municipality	Sausalito City
Elementary School District	Sausalito Elementary School District (KG - 08)
Secondary School District	Tamalpais Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,959,675 (+2%) Land $1,147,068 Building $812,607
2025	$25,121.00 (+7.18%) Homeowner's exemption	$1,921,258 (+4.04%) Land $1,124,581 Building $796,677
2023	$23,439.00 (+4.07%) Homeowner's exemption	$1,846,665 Land $1,080,919 Building $765,746
2022	$22,522.00

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 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	10 (1982–1998)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 claims

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 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% 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	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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

May also be available: Etheric Networks, T-Mobile, Verizon.

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