44 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 44 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,640 sqft · built 1963
Lot Size	0.228 acres (9,920 sqft)
Owner	2 Trust Names on File
Last Sale	$969,000 (Apr 2003)
Tax Bill	$21,496 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-202-02`

Property Details

APN / Parcel Number

Primary APN	`157-202-02`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,640 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Lot Area	9,920 sqft (0.228 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	1,321 sqft
Patio Area	1,321 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	44 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L155 BE-MARIN KEY #1-A /B11P58 M
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	153
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

44 Montego Key is held in a trust since April 2003.

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

Owner of Record	2 Trust Names on File
Mailing Address	44 MONTEGO KY, NOVATO, CA 94949-5323
Owner Type	Company
Vesting	Trust

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
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 9, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage CITY NATIONAL BANK
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2003 · Amount on File
Deed Sale	Apr 15, 2003 · Amount on File
Deed Document Number	200341607
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	44 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MONTEGO KY, NOVATO, CA 94949-5323

Mortgage

Document Number	0000032383
Date	Dec 5, 2023
Instrument	2023-0032383

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	44 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC NATL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031800
Date	Aug 9, 2017
Instrument	2017-0031800

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	EL SEGUNDO, CA 90245

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	44 MONTEGO KY, NOVATO, CA 94949-5323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MONTEGO KY, NOVATO, CA 94949-5323

Mortgage

Document Number	0000049273
Date	Oct 13, 2020
Instrument	2020-0049273

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.36%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.36%
Index	1-Year CMT
Max Rate	8.36%

Tax Assessment & Valuation

The 2025 property tax bill for 44 Montego Key was $21,496.

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		$1,531,843 (+2%) Land $716,422 Building $815,421
2025	$21,496.00	$1,501,812 Land $702,377 Building $799,435
2023	$18,966.00 (+2.75%)	$1,443,511 Land $675,110 Building $768,401
2022	$18,458.00

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

Flood

FEMA maps place 44 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 44 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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