645 McClay Rd, Novato, CA 94947 Property Records

Marin County property record for 645 McClay Rd, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,900 sqft · built 1982
Lot Size	0.461 acres (20,088 sqft)
Owner	2 Company Names on Record
Last Sale	$1,110,000 (Jun 2016)
Tax Bill	$16,541 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`146-072-27`

Property Details

APN / Parcel Number

Primary APN	`146-072-27`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,900 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Lot Area	20,088 sqft (0.461 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	824 sqft
Patio Area	902 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	645 MCCLAY RD
City	NOVATO
State	CA
Zip	94947-3861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ALMGREN SUB
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	3
Census Block	3001
Census Tract	103200

Owner

Source: Marin County records, as of July 14, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Nov 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
Jun 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 2, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage TECHNOLOGY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2016 · Amount on Record
Deed Sale	Jun 15, 2016 · Amount on Record
Prior Sale	Dec 18, 1998 · Amount on Record
Deed Document Number	201626547
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	0000046516
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Recording Date	Jun 26, 2026
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Document Number	0000018706
Instrument Date	May 29, 2026
Instrument	202618706
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PRIORITY TITLE COMPANY, PRIORITY WEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	645 MCCLAY RD, NOVATO, CA 94947-3861

Mortgage

Document Number	0000018706,
Date	Jun 26, 2026
Instrument	202618706

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Transaction Type	Mortgage
Record Updated	Dec 7, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MCCLAY RD, NOVATO, CA 94947-3861

Mortgage

Document Number	0000030958
Date	Nov 16, 2023
Instrument	2023-0030958

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 20, 2048

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MCCLAY RD, NOVATO, CA 94947-3861

Mortgage

Document Number	0000025020
Date	Jun 30, 2022
Instrument	2022-0025020

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN MIGUEL, CA 93451

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2047

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MCCLAY RD, NOVATO, CA 94947-3861

Mortgage

Document Number	0000030112
Date	May 4, 2021
Instrument	2021-0030112

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027370
Date	Aug 2, 2018
Instrument	2018-0027370

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 20, 2043

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	645 MCCLAY RD, NOVATO, CA 94947-3861
Document Number	0000029284
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	645 MCCLAY RD NOVATO CA 949473861, NOVATO, CA 94947-3861

Mortgage

Document Number	0000029284
Date	Jul 24, 2017
Instrument	29284

Lender

Name	TECHNOLOGY FCU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

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		$1,340,258 (+2%) Land $724,464 Building $615,794
2025	$16,541.00 (+3.63%) Homeowner's exemption	$1,313,984 (+4.04%) Land $710,262 Building $603,722
2023	$15,961.00 (+2.39%) Homeowner's exemption	$1,262,969 Land $682,686 Building $580,283
2022	$15,588.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% 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 214 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: T-Mobile, Verizon.

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