Marin County property record for 89 Bahama Reef, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,342 sqft · built 1977 |
| Lot Size | 0.244 acres (10,620 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $6,927 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 157-392-20 |
| Primary APN | 157-392-20 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,342 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Contemporary |
| Lot Area | 10,620 sqft (0.244 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 330 sqft |
| Patio Area | 330 sqft |
| Heating System | Central |
|---|
| Street Address | 89 BAHAMA REEF |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 13 PG 29 LOT 410 |
| Legal Subdivision | BEL-MARIN KEYS 03 |
| Legal Tract | 3 |
| Legal Lot Number | 410 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 104300 |
89 Bahama Reef is owned by a company that acquired it in November 2011.
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 Company Names on File |
|---|---|
| Mailing Address | 73 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 15, 2011 |
| Transfer Doc | 0000061744 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 89 Bahama Reef was $6,927.
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 | $229,241 (+2%) Land $57,733 Building $171,508 | |
| 2025 | $6,927.00 | $224,746 Land $56,601 Building $168,145 |
| 2023 | $4,604.00 (-2.54%) | $216,020 Land $54,403 Building $161,617 |
| 2022 | $4,724.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 89 Bahama Reef in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 89 Bahama Reef is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 48 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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