65 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 65 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,084 sqft · built 1963
Lot Size	0.263 acres (11,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (Jan 2002)
Tax Bill	$11,997 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`157-211-10`

Property Details

APN / Parcel Number

Primary APN	`157-211-10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Contemporary
Exterior Material	Wood
Roof Material	Wood Shingle
Lot Area	11,460 sqft (0.263 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	596 sqft
Patio Area	596 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	65 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BFC
Legal Description	L17 /B11P58 M BEL-MARIN KEYS #1-A
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	17
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	65 MONTEGO KY, NOVATO, CA 94949-5351
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB HOLDINGS INC
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2002 · Amount on Record
Deed Sale	Jan 15, 2002 · Amount on Record
Prior Sale	Apr 18, 2001 · Amount on Record
Deed Document Number	20023546
Prior Transfer Date	Jul 12, 1994
Prior Transfer Doc	0000078208
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	65 MONTEGO KY, NOVATO, CA 94949-5351
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000053175
Date	Aug 24, 2021
Instrument	2021-0053175

Lender

Name	TIAA FSB HOLDINGS INC
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	65 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000006139
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	65 MONTEGO KY NOVATO CA 949495351, NOVATO, CA 94949-5351

Mortgage

Document Number	0000006139
Date	Mar 4, 2019
Instrument	6139

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2049

Interest

Rate Type	Adjustable Rate

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		$665,978 (+2%) Land $504,757 Building $161,221
2025	$11,997.00 (+30.16%)	$652,922 (+4.04%) Land $494,862 Building $158,060
2023	$9,217.00 (+2.66%)	$627,572 Land $475,649 Building $151,923
2022	$8,978.00

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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