32 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 32 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1963
Lot Size	0.228 acres (9,920 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Jul 2018)
Tax Bill	$16,012 (2025)
Deeds & Mortgages	May 2019 Mortgage Jul 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`157-202-05`

Property Details

APN / Parcel Number

Primary APN	`157-202-05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1982
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,920 sqft (0.228 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	1,071 sqft
Patio Area	1,071 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	32 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 156
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	156
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

32 Montego Key is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	32 MONTEGO KY, NOVATO, CA 94949-5323
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

Date	Document
May 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage ANTHONY J PHILLIPS
Jul 31, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Aug 1, 1995 · Amount on File
Deed Document Number	201827022
Prior Transfer Date	Jan 28, 2005
Prior Transfer Doc	0000009907
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	32 MONTEGO KY, NOVATO, CA 94949-5323
Document Number	0000019383
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 MONTEGO KY NOVATO CA 949495323, NOVATO, CA 94949-5323

Mortgage

Document Number	0000019383
Date	Jun 5, 2019
Instrument	19383

Lender

Name	ANTHONY J PHILLIPS
Address	PO BOX 872, NOVATO, CA 94948-0872

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jul 31, 2018
Property Address	32 MONTEGO KY, NOVATO, CA 94949-5323
Document Number	0000027022
Instrument Date	Jul 25, 2018
Instrument	27022
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,210.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 MONTEGO KY NOVATO CA 949495323, NOVATO, CA 94949-5323

Tax Assessment & Valuation

The 2025 property tax bill for 32 Montego Key was $16,012 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		$1,085,752 (+2%) Land $641,918 Building $443,834
2025	$16,012.00 Homeowner's exemption	$1,064,468 Land $629,335 Building $435,133
2023	$13,660.00 (+2.71%) Homeowner's exemption	$1,023,136 Land $604,898 Building $418,238
2022	$13,299.00

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

Flood

FEMA maps place 32 Montego Key in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 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 32 Montego Key is low, with a 0.03% annual chance of 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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