76 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 76 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 File
Last Sale	$411,000 (May 2021)
Tax Bill	$11,620 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-212-07`

Property Details

APN / Parcel Number

Primary APN	`157-212-07`

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 1966
Architectural Style	Contemporary
Lot Area	10,400 sqft (0.239 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	1,232 sqft
Patio Area	1,232 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	76 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEL-MARIN KEYS 01-A
Legal Lot Number	145
Jurisdiction	MARIN CA
Township / Civil Division	NOVATO
Census Block Group	1
Census Block	1003
Census Tract	104300

Owner

76 Montego Key is owned and occupied by two individuals who bought it in May 2021.

Source: Marin County records, as of July 13, 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 Individual Names on File
Mailing Address	76 MONTEGO KY, NOVATO, CA 94949-5350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 20, 2021	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2021 · Amount on File
Deed Sale	May 20, 2021 · Amount on File
Prior Sale	Aug 30, 2011 · Amount on File
Deed Document Number	202133648
Prior Transfer Date	May 14, 2021
Prior Transfer Doc	0000033648
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	76 MONTEGO KY, NOVATO, CA 94949-5350
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028015
Date	Jul 1, 2020
Instrument	2020-0028015

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	May 20, 2021
Property Address	76 MONTEGO KY, NOVATO, CA 94949-5350
Document Number	0000033648
Map Reference	VOL 11 PG 58
Instrument Date	May 14, 2021
Instrument	2021-0033648
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$452.10
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	76 MONTEGO KY, NOVATO, CA 94949-5350

Mortgage

Document Number	0000033649
Date	May 20, 2021
Instrument	2021-0033649

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 76 Montego Key was $11,620.

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		$678,982 (+2%) Land $479,131 Building $199,851
2025	$11,620.00	$665,674 Land $469,740 Building $195,934
2023	$9,405.00 (+2.67%)	$639,831 Land $451,504 Building $188,327
2022	$9,160.00

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

Flood

FEMA maps place 76 Montego Key in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 76 Montego Key is low, with a 0.03% annual chance of 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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