53 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 53 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,782 sqft · built 1963
Lot Size	0.263 acres (11,460 sqft)
Owner	2 Company Names on Record
Last Sale	$692,000 (Mar 2007)
Tax Bill	$14,318 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`157-211-13`

Property Details

APN / Parcel Number

Primary APN	`157-211-13`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,782 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1967
Architectural Style	Contemporary
Lot Area	11,460 sqft (0.263 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	289 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	53 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	14
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

Source: Marin County records, as of September 11, 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 Company Names on Record
Mailing Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit PREMIERONE CREDIT UNION
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit 1ST UNITED CREDIT UNION
Feb 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANC ONE MORTGAGE CORP
Feb 1, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 3, 2020	Quit Claim Deed, Transfer GRAY DAVID K LIVING TRUST (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2007 · Amount on Record
Deed Sale	Mar 1, 2007 · Amount on Record
Prior Sale	Jan 8, 1998
Deed Document Number	200713029
Last Transfer Date	Jan 21, 2021
Transfer Doc	0000006670
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Recording Date	Sep 3, 2026
Property Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000025513
Instrument Date	Aug 29, 2026
Instrument	202625513
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	53 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000025513,
Date	Sep 3, 2026
Instrument	202625513

Lender

Name	PREMIERONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2056

Interest

Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000053592
Date	Aug 25, 2021
Instrument	2021-0053592

Lender

Name	1ST UNITED CREDIT UNION
Type	Non-Lending Institution
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Feb 1, 2021
Property Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000006667
Map Reference	VOL 11 PG 58
Instrument Date	Jan 21, 2021
Instrument	2021-0006667
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	WFG NATIONAL TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	53 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000006669
Date	Feb 1, 2021
Instrument	2021-0006669

Lender

Name	BANC ONE MORTGAGE CORP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Feb 1, 2021
Property Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000006670
Map Reference	VOL 11 PG 58
Instrument Date	Jan 21, 2021
Instrument	2021-0006670
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	53 MONTEGO KY, NOVATO, CA 94949-5351

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	Mar 3, 2020
Property Address	53 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000008434
Instrument Date	Dec 2, 2019
Instrument	8434
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	53 MONTEGO KY NOVATO CA 949495351, NOVATO, CA 94949-5351

Mortgage

Document Number	8435
Date	Mar 3, 2020
Instrument	8435

Lender

Name	GRAY DAVID K LIVING TRUST (LT)
Address	53 MONTEGO KY, NOVATO, CA 94949-5351

Agreement

Amount	Amount Recorded

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		$945,209 (+2%) Land $662,737 Building $282,472
2025	$14,318.00 (+19.25%) Homeowner's exemption	$926,678 (+4.04%) Land $649,744 Building $276,934
2023	$12,007.00 (+2.77%) Homeowner's exemption	$890,702 Land $624,519 Building $266,183
2022	$11,683.00

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 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 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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