52 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 52 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 1963
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,879 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`157-212-13`

Property Details

APN / Parcel Number

Primary APN	`157-212-13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,324 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Lot Area	10,400 sqft (0.239 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	52 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 151
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	151
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1151, NOVATO, CA 94948-1151
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 21, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 8, 1996
Transfer Doc	0000031766
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	52 MONTEGO KY, NOVATO, CA 94949-5350
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 MONTEGO KY, NOVATO, CA 94949-5350

Mortgage

Document Number	0000007423
Date	Feb 3, 2021
Instrument	2021-0007423

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	52 MONTEGO KY, NOVATO, CA 94949-5350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015600
Date	Apr 21, 2020
Instrument	2020-0015600

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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		$429,029 (+2%) Land $271,096 Building $157,933
2025	$8,879.00 (+31.58%)	$420,616 (+4.04%) Land $265,780 Building $154,836
2023	$6,748.00 (+2.63%)	$404,284 Land $255,460 Building $148,824
2022	$6,575.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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