491 Willow Ct, Novato, CA 94945 Property Records

Marin County property record for 491 Willow Ct, Novato, CA 94945

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,414 sqft · built 1974
Lot Size	0.314 acres (13,692 sqft)
Owner	2 Trust Names on File
Last Sale	$659,000 (Jul 2004)
Tax Bill	$12,073 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153-262-15`

Property Details

APN / Parcel Number

Primary APN	`153-262-15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,414 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Lot Area	13,692 sqft (0.314 acres)
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces
Pool Area	466 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	491 WILLOW CT
City	NOVATO
State	CA
Zip	94945-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VALLEY OAK ESTATES
Legal Lot Number	77
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1013
Census Tract	101200

Owner

491 Willow Ct is owner-occupied and held in a trust since July 2004.

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

Owner of Record	2 Trust Names on File
Mailing Address	491 WILLOW CT, NOVATO, CA 94945-3325
Occupancy	Owner Occupied
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
May 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REDWOOD CU
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 15, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2004 · Amount on File
Deed Sale	Jul 28, 2004 · Amount on File
Prior Sale	Mar 31, 1995 · Amount on File
Deed Document Number	200465895
Prior Transfer Date	Nov 8, 1996
Prior Transfer Doc	0000062171
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	491 WILLOW CT, NOVATO, CA 94945-3325
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 WILLOW CT, NOVATO, CA 94945-3325

Mortgage

Document Number	0000018153
Date	May 2, 2022
Instrument	2022-0018153

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	491 WILLOW CT, NOVATO, CA 94945-3325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025254
Date	Jun 17, 2020
Instrument	2020-0025254

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jul 1, 2047

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Oct 15, 2019
Property Address	491 WILLOW CT, NOVATO, CA 94945-3325
Document Number	0000038403
Map Reference	VOL 15 PG 94
Instrument Date	Oct 9, 2019
Instrument	2019-0038403
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$5.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 WILLOW CT, NOVATO, CA 94945-3325

Mortgage

Document Number	0000038404
Date	Oct 15, 2019
Instrument	2019-0038404

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 491 Willow Ct was $12,073.

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		$936,866 (+2%) Land $589,984 Building $346,882
2025	$12,073.00	$918,500 Land $578,418 Building $340,082
2023	$11,635.00 (+2.38%)	$882,842 Land $555,963 Building $326,879
2022	$11,364.00

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

Flood

FEMA maps place 491 Willow Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (1980–1982)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jan 1982 · rainfall accumulation
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 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 491 Willow Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% 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 250 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
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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