Marin County property record for 85 Montego Key, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,571 sqft · built 1963 |
| Lot Size | 0.307 acres (13,370 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,020,000 (Oct 2021) |
| Tax Bill | $16,159 (2025) |
| Deeds & Mortgages | Mar 2022 Transfer Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-211-05 |
| Primary APN | 157-211-05 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,571 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Contemporary |
| Lot Area | 13,370 sqft (0.307 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 24 sqft |
| Patio Area | 24 sqft |
| Heating System | Central |
|---|
| Street Address | 85 MONTEGO KY |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BEL-MARIN KEYS 01-A |
| Legal Lot Number | 22 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 104300 |
85 Montego Key is owner-occupied and held in a trust since March 2022.
Source: Marin County records, as of July 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 85 MONTEGO KY, NOVATO, CA 94949-5351 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 25, 2022 | Correction Deed OLD REPUBLIC TITLE COMPANY |
| Oct 15, 2021 | Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on File |
| Deed Sale | Oct 15, 2021 · Amount on File |
| Deed Document Number | 202163290 |
| Last Transfer Date | Mar 24, 2022 |
| Transfer Doc | 0000013145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Mar 25, 2022 |
| Property Address | 85 MONTEGO KY, NOVATO, CA 94949-5351 |
| Document Number | 0000013145 |
| Map Reference | VOL 11 PG 58 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2022-0013145 |
| Record Updated | Jun 7, 2023 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 85 MONTEGO KY, NOVATO, CA 94949-5351 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Oct 15, 2021 |
| Property Address | 85 MONTEGO KY, NOVATO, CA 94949-5351 |
| Document Number | 0000063290 |
| Map Reference | VOL 11 PG 58 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021-0063290 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,122.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 85 MONTEGO KY, NOVATO, CA 94949-5351 |
| Document Number | 0000063291 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 2021-0063291 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 85 Montego Key was $16,159 with a homeowner's exemption.
Source: Marin County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Marin County |
| Unified School District | Novato Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,104,068 (+2%) Land $703,573 Building $400,495 | |
| 2025 | $16,159.00 Homeowner's exemption | $1,082,424 Land $689,780 Building $392,644 |
| 2023 | $13,917.00 (+2.7%) | $1,040,400 Land $663,000 Building $377,400 |
| 2022 | $13,551.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 85 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 |
|
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 risk around 85 Montego Key is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1 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 |
| Verizon Fixed Wireless | 300 / 20 |
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