445 Ridge Rd, Novato, CA 94947 Property Records

Marin County property record for 445 Ridge Rd, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,851 sqft · built 1962
Lot Size	0.628 acres (27,346 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2024)
Tax Bill	$14,211 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`146-211-15`

Property Details

APN / Parcel Number

Primary APN	`146-211-15`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,851 sqft Living Area
Basement Area	60 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Lot Area	27,346 sqft (0.628 acres)
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	445 RIDGE RD
City	NOVATO
State	CA
Zip	94947-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	3
Census Block	3006
Census Tract	103200

Owner

445 Ridge Rd is owned and occupied by two individuals who bought it in September 2024.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	445 RIDGE RD, NOVATO, CA 94947-4327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Jan 12, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 25, 2019	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2024 · Amount on File
Deed Sale	Sep 23, 2024 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Document Number	202425911
Prior Transfer Date	Nov 21, 2000
Prior Transfer Doc	0000062345
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	445 RIDGE RD, NOVATO, CA 94947-4327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004757
Date	Feb 5, 2020
Instrument	2020-0004757

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jul 1, 2049

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	Jan 12, 2021
Property Address	445 RIDGE RD, NOVATO, CA 94947-4327
Document Number	0000002391
Instrument Date	Jan 11, 2021
Instrument	2391
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 256 TIBURON CA 949200256, TIBURON, CA 94920-0256

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jun 25, 2019
Property Address	445 RIDGE RD, NOVATO, CA 94947-4327
Document Number	0000021990
Instrument Date	Jun 21, 2019
Instrument	2019-0021990
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	445 RIDGE RD, NOVATO, CA 94947-4327

Mortgage

Document Number	0000021991
Date	Jun 25, 2019
Instrument	2019-0021991

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 445 Ridge Rd was $14,211.

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Municipality	Novato City
Unified School District	Novato Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,122,000 (+2%) Land $612,000 Building $510,000
2025	$14,211.00	$1,100,000 Land $600,000 Building $500,000
2023	$16,996.00 (+5.7%)	$1,301,638 Land $750,533 Building $551,105
2022	$16,080.00

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

Flood

FEMA maps place 445 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1982.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	24 (1982–2023)
Claims Outside the SFHA	14 of 24
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 7 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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 445 Ridge Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Unwired, Verizon.

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