308 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 308 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1964
Lot Size	0.228 acres (9,920 sqft)
Owner	Individual Name on File
Tax Bill	$9,286 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`157-260-28`

Property Details

APN / Parcel Number

Primary APN	`157-260-28`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,892 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	9,920 sqft (0.228 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	308 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L87 /B12P69 M BEL-MAIN KEYS #1-C
Legal Subdivision	BEL-MARIN KEYS 01-C
Legal Lot Number	87
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

308 Montego Key is owned and occupied by an individual who acquired it in September 2020.

Source: Marin County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	308 MONTEGO KY, NOVATO, CA 94949-5329
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 29, 2020
Transfer Doc	0000048812
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Oct 9, 2020
Property Address	308 MONTEGO KY, NOVATO, CA 94949-5329
Document Number	0000048812
Map Reference	VOL 12 PG 69
Instrument Date	Sep 29, 2020
Instrument	2020-0048812
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	CONSUMERS 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	308 MONTEGO KY, NOVATO, CA 94949-5329

Mortgage

Document Number	0000048813
Date	Oct 9, 2020
Instrument	2020-0048813

Lender

Name	WALL FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 308 Montego Key was $9,286 with a homeowner's exemption.

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		$483,566 (+2%) Land $185,461 Building $298,105
2025	$9,286.00 Homeowner's exemption	$474,087 Land $181,826 Building $292,261
2023	$7,129.00 (+2.8%) Homeowner's exemption	$455,680 Land $174,766 Building $280,914
2022	$6,935.00

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

Flood

FEMA maps place 308 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	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

Wildfire risk around 308 Montego Key is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% 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	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 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