704 McClay Rd, Novato, CA 94947 Property Records

Marin County property record for 704 McClay Rd, Novato, CA 94947

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,883 sqft · built 1963
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Dec 2013)
Tax Bill	$9,127 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`140-241-03`

Property Details

APN / Parcel Number

Primary APN	`140-241-03`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,883 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Lot Area	12,500 sqft (0.287 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Deck Area	428 sqft
Patio Area	428 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	704 MCCLAY RD
City	NOVATO
State	CA
Zip	94947-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 3 PG 36 LOT 163
Legal Subdivision	NOVATO RANCH SUB A & B
Legal Lot Number	163
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	3
Census Block	3002
Census Tract	103200

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	704 MCCLAY RD, NOVATO, CA 94947-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Jun 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2013 · Amount on Record
Deed Sale	Dec 31, 2013 · Amount on Record
Deed Document Number	201376828
Last Transfer Date	Sep 10, 2015
Transfer Doc	0000044474
Record Updated	Oct 29, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARIN CA
Property Address	704 MCCLAY RD, NOVATO, CA 94947-3808
Document Number	0000041874
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 MCCLAY RD NOVATO CA 949473808, NOVATO, CA 94947-3808

Mortgage

Document Number	0000041874
Date	Nov 6, 2019
Instrument	41874

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Interest

Rate	4.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	704 MCCLAY RD, NOVATO, CA 94947-3808
Document Number	0000042559
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 MCCLAY RD NOVATO CA 949473808, NOVATO, CA 94947-3808

Mortgage

Document Number	0000042559
Date	Nov 12, 2019
Instrument	42559

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	704 MCCLAY RD, NOVATO, CA 94947-3808
Document Number	0000025146
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	704 MCCLAY RD NOVATO CA 949473808, NOVATO, CA 94947-3808

Mortgage

Document Number	0000025146
Date	Jul 16, 2018
Instrument	25146

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSID, CA 92517

Agreement

Type	Conventional Mortgage
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
Municipality	Novato City
Unified School District	Novato Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$686,026 (+2%) Land $324,180 Building $361,846
2025	$9,127.00 (+3.96%) Homeowner's exemption	$672,578 (+4.04%) Land $317,825 Building $354,753
2023	$8,779.00 (+2.4%) Homeowner's exemption	$646,466 Land $305,486 Building $340,980
2022	$8,573.00

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 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	0.02% 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 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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