Marin County property record for 281 Montego Key, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,498 sqft · built 1964 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $5,037 (2025) |
| Deeds & Mortgages | Jul 2020 Transfer Jul 2020 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 157-260-11 |
| Primary APN | 157-260-11 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,498 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Contemporary |
| Lot Area | 14,000 sqft (0.321 acres) |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Heating System | Central |
|---|
| Street Address | 281 MONTEGO KY |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP H6 526 |
| Legal Subdivision | BEL MARIN KEYS 01-C |
| Legal Lot Number | 71 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 104300 |
281 Montego Key is owned by a company that acquired it in July 2020 and is owner-occupied.
Source: Marin County records, as of July 13, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 281 MONTEGO KY, NOVATO, CA 94949-5355 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 13, 2020 | Affidavit of Death, Transfer NOT AVAILABLE |
| Jul 13, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 1, 2017 | Deed of Trust, Mortgage · VA Mortgage PACIFIC HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 7, 2020 |
| Transfer Doc | 0000029847 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Jul 13, 2020 |
| Property Address | 281 MONTEGO KY, NOVATO, CA 94949-5355 |
| Document Number | 0000029846 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 29846 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 281 MONTEGO KY NOVATO CA 949495355, NOVATO, CA 94949-5355 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Jul 13, 2020 |
| Property Address | 281 MONTEGO KY, NOVATO, CA 94949-5355 |
| Document Number | 0000029847 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 29847 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 281 MONTEGO KY NOVATO CA 949495355, NOVATO, CA 94949-5355 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 281 MONTEGO KY, NOVATO, CA 94949-5355 |
| Document Number | 0000031723 |
| Instrument Date | Aug 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Title Company | NEXTITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 281 MONTEGO KY NOVATO CA 949495355, NOVATO, CA 94949-5355 |
| Document Number | 0000031723 |
|---|---|
| Date | Aug 8, 2017 |
| Instrument | 31723 |
| Name | PACIFIC HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVINE, CA 92612 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2047 |
The 2025 property tax bill for 281 Montego Key was $5,037 with a homeowner's exemption.
Source: Marin County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Marin County |
| Unified School District | Novato Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $113,781 (+2%) Land $43,762 Building $70,019 | |
| 2025 | $5,037.00 Homeowner's exemption | $111,550 Land $42,904 Building $68,646 |
| 2023 | $3,048.00 (+2.8%) Homeowner's exemption | $107,219 Land $41,238 Building $65,981 |
| 2022 | $2,965.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 281 Montego Key in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 risk around 281 Montego Key is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 67% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 125 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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