490 Ridge Rd, Novato, CA 94947 Property Records

Marin County property record for 490 Ridge Rd, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,774 sqft · built 1977
Lot Size	0.431 acres (18,760 sqft)
Owner	2 Trust Names on File
Last Sale	$965,000 (Aug 2018)
Tax Bill	$14,900 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`146-102-35`

Property Details

APN / Parcel Number

Primary APN	`146-102-35`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,774 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Lot Area	18,760 sqft (0.431 acres)
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Deck Area	504 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	490 RIDGE RD
City	NOVATO
State	CA
Zip	94947-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L264 /B3P42 M NOVATO RANCHO #D
Legal Subdivision	NOVATO RHO D
Legal Lot Number	264
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	3
Census Block	3010
Census Tract	103200

Owner

490 Ridge Rd is owner-occupied and held in a trust since June 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 Trust Names on File
Mailing Address	490 RIDGE RD, NOVATO, CA 94947-4313
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUPREME LNDG
Aug 21, 2018	Grant Deed, Transfer · Conventional Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018 · Amount on File
Deed Sale	Aug 21, 2018 · Amount on File
Prior Sale	May 20, 2015 · Amount on File
Deed Document Number	201829632
Last Transfer Date	Jun 27, 2024
Transfer Doc	0000019695
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Jan 27, 2021
Property Address	490 RIDGE RD, NOVATO, CA 94947-4313
Document Number	0000005606
Map Reference	VOL 3 PG 42
Instrument Date	Jan 20, 2021
Instrument	2021-0005606
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
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	490 RIDGE RD, NOVATO, CA 94947-4313

Mortgage

Document Number	0000005607
Date	Jan 27, 2021
Instrument	2021-0005607

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	490 RIDGE RD, NOVATO, CA 94947-4313
Document Number	0000012451
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	490 RIDGE RD NOVATO CA 949474313, NOVATO, CA 94947-4313

Mortgage

Document Number	0000012451
Date	Mar 27, 2020
Instrument	12451

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Aug 21, 2018
Property Address	490 RIDGE RD, NOVATO, CA 94947-4313
Document Number	0000029632
Instrument Date	Aug 15, 2018
Instrument	29632
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,061.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	490 RIDGE RD NOVATO CA 949474313, NOVATO, CA 94947-4313

Mortgage

Document Number	29634
Date	Aug 21, 2018
Instrument	29634

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 Ridge Rd was $14,900 with a homeowner's exemption.

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		$1,214,466 (+2%) Land $717,639 Building $496,827
2025	$14,900.00	$1,190,662 Land $703,573 Building $487,089
2023	$14,377.00 (+2.37%) Homeowner's exemption	$1,144,440 Land $676,260 Building $468,180
2022	$14,044.00

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

Flood

FEMA maps place 490 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 490 Ridge Rd is moderate, ranking above 46% 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 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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