25 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 25 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1963
Lot Size	0.272 acres (11,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,210,000 (Mar 2022)
Tax Bill	$18,592 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Sale + 3 more
Flood Zone	Zone X (moderate risk)
APN	`157-201-07`

Property Details

APN / Parcel Number

Primary APN	`157-201-07`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,535 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Lot Area	11,842 sqft (0.272 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft
Patio Area	603 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	25 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	7
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

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 Individual Names on Record
Mailing Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Mar 1, 2021	Grant Deed, Transfer CAL LAND TITLE COMPANY
Mar 1, 2021	Intrafamily Transfer, Transfer · Construction Mortgage CBP FUND V LLC
Mar 1, 2021	Intrafamily Transfer, Transfer CAL LAND TITLE COMPANY
Jun 20, 2018	Loan Modification, Mortgage · Conventional Mortgage ACM INVESTOR SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	20228385
Prior Transfer Date	Feb 18, 2021
Prior Transfer Doc	0000014013
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Mar 4, 2022
Property Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000008385
Map Reference	MB 11 PG 58
Instrument Date	Feb 18, 2022
Instrument	2022-0008385
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,331.00
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	25 MONTEGO KY, NOVATO, CA 94949-5322

Mortgage

Document Number	0000008386
Date	Mar 4, 2022
Instrument	2022-0008386

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Mar 1, 2021
Property Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000014012
Map Reference	MB 11 PG 58
Instrument Date	Feb 22, 2021
Instrument	2021-0014012
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	CAL LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$429.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1185 RAMBLEWOOD WAY, SAN MATEO, CA 94403-4917

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Mar 1, 2021
Property Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000014014
Map Reference	MB 11 PG 58
Instrument Date	Feb 18, 2021
Instrument	2021-0014014
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	CAL LAND TITLE COMPANY

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
Address	1185 RAMBLEWOOD WAY, SAN MATEO, CA 94403-4917

Mortgage

Document Number	0000014015
Date	Mar 1, 2021
Instrument	2021-0014015

Lender

Name	CBP FUND V LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 1, 2022

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Mar 1, 2021
Property Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000014013
Map Reference	MB 11 PG 58
Instrument Date	Feb 18, 2021
Instrument	2021-0014013
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	CAL LAND TITLE COMPANY

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
Address	1185 RAMBLEWOOD WAY, SAN MATEO, CA 94403-4917

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARIN CA
Property Address	25 MONTEGO KY, NOVATO, CA 94949-5322
Document Number	0000026317
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 MONTEGO KY NOVATO CA 949495322, NOVATO, CA 94949-5322

Mortgage

Document Number	0000026317
Date	Jul 25, 2018
Instrument	26317

Lender

Name	ACM INVESTOR SERVICES INC
Address	17 E SIR FRANCIS DRAKE BLVD # 2, LARKSPUR, CA 94939-1727

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 24, 2019

Interest

Rate	8.5%

Tax Assessment & Valuation

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		$1,309,728 (+2%) Land $703,573 Building $606,155
2025	$18,592.00 (+15.03%)	$1,284,052 (+4.04%) Land $689,780 Building $594,272
2023	$16,163.00 (+35.87%)	$1,234,200 Land $663,000 Building $571,200
2022	$11,896.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 281 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	281 in force
Nearby Flood Claims	10 (1982–2023)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Feb 2023
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 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	Low lower than 94% of the US · lower than 96% 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.

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 199 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 DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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