81 Montego Key, Novato, CA 94949 Property Records

Marin County property record for 81 Montego Key, Novato, CA 94949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 1963
Lot Size	0.272 acres (11,842 sqft)
Owner	2 Company Names on Record
Last Sale	$39,500 (Dec 2000)
Tax Bill	$10,547 (2025)
Deeds & Mortgages	Feb 2024 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-211-06`

Property Details

APN / Parcel Number

Primary APN	`157-211-06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1973
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Other
Lot Area	11,842 sqft (0.272 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	81 MONTEGO KY
City	NOVATO
State	CA
Zip	94949-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 11 PG 58 LOT 21
Legal Subdivision	BEL MARIN KEYS #1-A
Legal Lot Number	21
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 Company Names on Record
Mailing Address	81 MONTEGO KY, NOVATO, CA 94949-5351
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Intrafamily Transfer, Transfer
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PIC CAPITAL INC
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2000 · Amount on Record
Deed Sale	Dec 8, 2000 · Amount on Record
Prior Sale	Jul 6, 2000 · Amount on Record
Deed Document Number	200063347
Last Transfer Date	Dec 13, 2024
Transfer Doc	0000032969
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Feb 28, 2024
Property Address	81 MONTEGO KY, NOVATO, CA 94949-5351
Document Number	0000005111
Map Reference	VOL 11 PG 58
Instrument Date	Feb 23, 2024
Instrument	2024-0005111
Transaction Type	Transfer
Record Updated	Mar 13, 2024

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	Tenants in Common
Address	81 MONTEGO KY, NOVATO, CA 94949-5351

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	81 MONTEGO KY, NOVATO, CA 94949-5351
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000057121
Date	Sep 14, 2021
Instrument	2021-0057121

Lender

Name	PIC CAPITAL INC
Type	Mortgage Company
Address	CORONA, CA 92883

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	81 MONTEGO KY, NOVATO, CA 94949-5351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MONTEGO KY, NOVATO, CA 94949-5351

Mortgage

Document Number	0000042385
Date	Sep 11, 2020
Instrument	2020-0042385

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$605,522 (+2%) Land $245,897 Building $359,625
2025	$10,547.00 (+25.75%) Homeowner's exemption	$593,650 (+4.04%) Land $241,076 Building $352,574
2023	$8,387.00 (+2.78%) Homeowner's exemption	$570,601 Land $231,716 Building $338,885
2022	$8,160.00

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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