Novato 94945 · North Novato · APN 143-550-09 · Unincorporated Marin
Zoned RSP-0.23 in Unincorporated Marin with likely ADU & SB 9 infill eligibility and mapped CAL FIRE moderate fire hazard severity zone (state responsibility area) due diligence; benchmark value $1,347,000 ($1,185,000–$1,509,000).
Zoned RSP-0.23 supports ministerial ADU/JADU review plus SB 9 both two-unit development and ministerial urban lot split on a 24,699 sq ft lot. Local precedent is active with 1 ADU permit within ¼ mile over the last 36 months.
Source: Unincorporated Marin zoning · CA Gov. Code 66314 & 65852.21
Public building records show issued construction/renovation work on this parcel (4 total permits, latest Oct 10, 2023).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (parcel APN)
all of the lot of the parcel intersects Zone X: minimal flood hazard. Outside mandatory federal SFHA insurance rules, but check local drainage and finished-floor requirements.
Source: FEMA National Flood Hazard Layer (parcel polygon)
Automated synthesis of indexed municipal, county, state, and federal public records — informational context only, not a formal appraisal, survey, or legal/tax determination.
Since November 2024 within ½ mile: 1 permitted, 1 proposed or in review.
2 projects with a record in this window, grouped by us from permits and State housing reports. Units are as proposed on each project's latest record and counted at its current stage.
55 permits within ½ mile since November 2024
$1,347,000
Benchmark range: $1,185,000 – $1,509,000
Located in a mapped Fire Hazard Severity Zone. Expect Chapter 7A ignition-resistant building standards, defensible-space inspections, and stricter property insurance underwriting.
Source: CAL FIRE FHSZ (map Apr 1, 2024)
Closest lead: New home at 675 Atherton Ave (0.16 mi SE, applied). Inspect timeline history before assuming near-term completion.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · HCD APR (½-mile radius)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,328/mo). Confirm exact Mello-Roos / CFD special assessments on the county tax bill.
Source: CA Const. Art. XIIIA (Prop 13) · County Tax Collector
The map shows new construction, ADUs, demolitions, additions, and renovations. Routine systems work (roofs, HVAC, water heaters) is counted but not mapped. Unit counts are as stated on permits.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: permits located by parcel, ½ mile radius · Retrieved Nov 13, 2026
Public-records benchmark estimate combining Zillow Home Value Index (Data provided by Zillow), Census ACS 5-year estimates, parcel land-use/lot characteristics, and issued building permits. Not an official appraisal.
Permit counts, by the date issued (or applied, if not yet issued). Lot splits are planning cases, which we don't have.
We read public zoning and hazard maps against state law (ADUs: Gov. Code 66314; SB 9: Gov. Code 65852.21 and 66411.7). Local rules, title, tenancy history and site conditions can change the answer. Check with Unincorporated Marin's planning department before relying on it.
Sources: County of Marin GIS (MarinMap), Zoning (11 cities and unincorporated Marin) (retrieved Nov 13, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the State Responsibility Area (effective 2024-04-01) (retrieved Nov 9, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the Local Responsibility Area (map dated 2025-03-24) (retrieved Nov 9, 2026) · FEMA, National Flood Hazard Layer — flood hazard zones (retrieved Nov 9, 2026) · FEMA, National Flood Hazard Layer — FIRM panels (retrieved Nov 9, 2026) · California Geological Survey, Alquist-Priolo Earthquake Fault Zones (retrieved Nov 9, 2026) · Zoning classes: our classification of RSP-0.23 as single-family residential, checked against the zone description on Oct 24, 2026
Chronological history of building permit applications and issuances, snapshot-dated status changes, State housing entitlements, surrounding development within ½ mile, and area home-value trends.
Permit issued and active for 16.5 yr (first record May 21, 2010), with no completion or new permit record in 12.4 yr. · 1 unit · $444,675 declared valuation
Permit issued and active for 8.6 yr (first record Mar 20, 2018), with no completion or new permit record in 8.1 yr. · 1 unit · $150,000 declared valuation
In "Applied" for 5.6 yr (since Mar 23, 2021), with no new permit record in 5.6 yr. · 1 unit · $140,000 declared valuation
In "Applied" for 5.5 yr (since May 18, 2021), with no new permit record in 5.1 yr. · 1 unit · $1,500,000 declared valuation
Permit issued and active for 4.8 yr (first record Jan 12, 2022), with no completion or new permit record in 4.5 yr. · 1 unit · $245,000 declared valuation
Permit issued and active for 3.7 yr (first record Mar 3, 2023), with no completion or new permit record in 3.2 yr. · 1 unit · $60,000 declared valuation
Nearby other (255 Saddle Wood Dr): First appeared in published agency feed
Record 94637 · Detected between snapshots
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Snapshot diff within ½ mile
Nearby new garage / accessory structure (15 Oak Shade Ln): Description text was updated
Record 94557 · Detected between snapshots
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Snapshot diff within ½ mile
Latest published Zillow Home Value Index (ZHVI) update
Changed from $1,053,344 in September 2025 to $1,063,156 in September 2026.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
673 Atherton Ave · 1 unit · $1,000,000 valuation
Records span Aug 19, 2025 to Aug 13, 2026 (2 permits).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
161 H Ln · 1 unit · $450,000 valuation
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Annual ZIP 94945 home-value index checkpoint
Changed from $1,073,876 in September 2024 to $1,053,344 in September 2025.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
Annual ZIP 94945 home-value index checkpoint
Changed from $1,040,503 in September 2023 to $1,073,876 in September 2024.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
Solar / battery storage permit application filed (B35727)
Current status: Issued
PV on roof 6.32kW DC 5.76kW AC 16 mods (n) 2x 13.5KWh ESS · Declared valuation: $26,008 · Contractor: Sunrun Installation Services Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Solar / battery storage permit issued (B35727)
Recorded status: Issued
PV on roof 6.32kW DC 5.76kW AC 16 mods (n) 2x 13.5KWh ESS · Declared valuation: $26,008 · Contractor: Sunrun Installation Services Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Annual ZIP 94945 home-value index checkpoint
Changed from $1,070,658 in September 2022 to $1,040,503 in September 2023.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
33 Beattie Ave (Aka 30) · 1 unit · $60,000 valuation
Records span Mar 3, 2023 to Sep 14, 2023 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Annual ZIP 94945 home-value index checkpoint
Changed from $988,993 in September 2021 to $1,070,658 in September 2022.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
162 Churchill Ln (Aka 160) · 1 unit · $245,000 valuation
Records span Jan 12, 2022 to May 18, 2022 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
675 Atherton Ave · 1 unit · $1,500,000 valuation
Records span May 18, 2021 to Oct 11, 2021 (3 permits).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Annual ZIP 94945 home-value index checkpoint
Changed from $816,588 in September 2020 to $988,993 in September 2021.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94945 (not a parcel appraisal)
Cross-referenced intelligence from our historical development graph—connecting parcels, permits, entity-resolved builders, empirical review-time distributions, and neighborhood renovation trends.
Explore full Unincorporated Marin development graph →In "Applied" for 5.5 yr (since May 18, 2021), exceeding the 253d median and 686d 90th percentile for new single-family home permits in Unincorporated Marin (n=121). High-impact scale (1 housing unit, $1,500,000 declared valuation across 3 permits).
In "Applied" for 5.6 yr (since Mar 23, 2021), exceeding the 253d median and 686d 90th percentile for new single-family home permits in Unincorporated Marin (n=121).
Active in "Issued" for 8.6 yr (first record Mar 20, 2018) with no new permit activity recorded in 8.1 yr.
Active in "Issued" for 3.7 yr (first record Mar 3, 2023) with no new permit activity recorded in 3.2 yr.
Active in "Issued" for 4.8 yr (first record Jan 12, 2022) with no new permit activity recorded in 4.5 yr.
Active in "Issued" for 16.5 yr (first record May 21, 2010) with no new permit activity recorded in 12.4 yr.
Substantial improvements (additions, interior remodels, ADUs, commercial TI, and new builds) across 732 parcels
Small prior baseline
City baseline: 16.4 / 1k
6 in trailing 24m
Includes 2 ADUs
| Builder / contractor | Primary specialty | Here / ½ mi | ½ mi valuation | Citywide 24m trend |
|---|---|---|---|---|
| Marin Kitchen Works | Remodel / interior alteration | 1 on parcel1 in ½ mi | $100,000 | 0 vs 2 prior |
| Rosenbach Constr | Remodel / interior alteration | 1 on parcel1 in ½ mi | $30,000 | 0 vs 1 prior |
| Sunrun Installation Services | Solar / battery storage | 1 on parcel1 in ½ mi | $26,008 |
| Permit category | Sample (n) | 25th pct | Median (50th) | 75th pct | 90th pct | Recent 24m median |
|---|---|---|---|---|---|---|
| New single-family home | 121 | 166d | 253d | 456d | 686d | 211d(vs 273d prior) |
| New multifamily / condos / mixed-use | 21 | 272d | 292d | 293d | 313d | 293d(vs 197d prior) |
| Accessory dwelling unit (new or conversion) | 298 | 120d | 204d | 331d | 549d | 214d(vs 181d prior) |
| Addition (adds square footage) |
HUD Small Area Fair Market Rent · ZIP 94945
HUD FY 2026 · 40th-percentile gross rentCensus ACS 5-year median gross rent (all bedroom counts combined):
Area home-value benchmarks (not an appraisal)
ZIP & neighborhood mediansUnder California Proposition 13, the seller's historical assessed value does not carry over to a buyer. On sale, the parcel is reassessed at the purchase price: 1.00% base rate ($13,450/yr) + local voter-approved bond debt ($2,018/yr) + fixed direct levies/Mello-Roos ($450/yr).
Mapped hazard zone insurance context on this parcel:
Model adding a backyard ADU or garage conversion under California's Prop 13 blended new-construction assessment (existing house & land tax base stays intact; only ADU build cost is assessed) and SB 13 impact-fee rules.
−$72,966/yr
Cash needed: $295,900
NOI: $8,647/yr
P&I: $6,801/mo
For $0/mo net cash flow
At $3,000/mo gross rent
| Scenario | Assumptions | Year 1 Rent | Year 1 Cash Flow | Cash-on-Cash | Break-Even Rent | Year 5 Cash Flow |
|---|---|---|---|---|---|---|
| Conservative | −8% starting rent, +3% vacancy, +3% combined maintenance/CapEx, 1.5%/yr rent growth | $2,760/mo | −$6,425/mo | -26.1% | $11,729/mo | −$6,439/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $3,000/mo | −$6,081/mo | -24.7% | $10,856/mo | −$5,924/mo |
| Optimistic (cap-limited) | +6% starting rent, 3% vacancy, 4.5%/yr rent growth (capped by AB 1482 ceiling of 8.6%/yr) | $3,180/mo | −$5,883/mo | -23.9% | $10,604/mo | −$5,532/mo |
Rental regulatory context (informational only — not legal advice):
California AB 1482 (Tenant Protection Act, Civ. Code § 1947.12) caps annual rent increases at 5% + local CPI (max 10%) on covered properties.
PV on roof 6.32kW DC 5.76kW AC 16 mods (n) 2x 13.5KWh ESS
Master & [2] Guest Baths Rmdl - Express
Rmdl Kit - Express
Repl Furnace & A/C
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel (APN) · Retrieved Nov 13, 2026 · Received and issued dates come from the County of Marin. The county publishes no final or expired status, so an issued permit stays 'Issued' after the work is done.
No housing activity reported to the State for this parcel (2018–2025 reports).
Source: California HCD, Housing Element Annual Progress Report — Table A2 · Geography: project (parcel) · Retrieved Nov 9, 2026 · From Unincorporated Marin's Housing Element Annual Progress Reports. A project can appear in several report years as it moves from entitlement to permit to completion.
Source: County of Marin GIS (MarinMap), Zoning (11 cities and unincorporated Marin) · Geography: zoning district polygon at parcel point · Retrieved Nov 13, 2026
0.57 acres
Assessor's classification for assessment purposes. This is not zoning.
45 SADDLE WOOD DR
Source: County of Marin GIS (MarinMap), Parcels · Geography: parcel · Retrieved Nov 13, 2026
Search by parcel number 143-550-09. Assessed value is not market value.
Search by parcel number 143-550-09 (Marin County Tax Collector)
Permits issued in unincorporated Marin in the past 48 months. Each city keeps its own records.
The official flood hazard map for this location. Our reading of it is under What could be built here.
This site does not show owner names.
| Hulbert Heating Air Conditioning | HVAC / heat pump | 1 on parcel1 in ½ mi | $9,549 | 0 vs 0 prior |
| Owner Builder Recent nearby: 673 Atherton Ave (Aug 13, 2026) | New garage / accessory structure | 15 in ½ mi | $2,361,710 | 226 vs 240 prior−6% |
| Owner Recent nearby: 689 Atherton Ave. (Jul 1, 2014) | New single-family home | 4 in ½ mi | $958,915 | 25 vs 15 prior+67% |
| Rjdj Recent nearby: 130 Churchill Ln (Mar 10, 2021) | Pool / spa | 4 in ½ mi | $243,800 | 1 vs 1 prior |
| Anello Painting And Construction Recent nearby: 160 Churchill Ln (May 18, 2022) | Accessory dwelling unit (new or conversion) | 2 in ½ mi | $250,000 | 0 vs 1 prior |
| Millsap Degnan And Associates Recent nearby: 110 Churchill Ln (Jun 11, 2015) | Remodel / interior alteration | 1 in ½ mi | $300,000 | 4 vs 1 prior |
| Frank R Unciano Contractor Recent nearby: 60 Philip Ter (Feb 5, 2019) | New single-family home | 1 in ½ mi | $270,040 | 0 vs 0 prior |
| 316 |
| 103d |
| 160d |
| 249d |
| 440d |
| 157d(vs 167d prior) |
| Remodel / interior alterationOn this parcel | 1,054 | 36d | 83d | 148d | 266d | 112d(vs 77d prior) |
| Commercial tenant improvement | 81 | 99d | 148d | 233d | 443d | 152d(vs 150d prior) |
| Solar / battery storageOn this parcel | 2,977 | 0d | 0d | 0d | 2d | 0d |
| HVAC / heat pumpOn this parcel | 2,946 | 0d | 0d | 0d | 0d | 0d |
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Computed from issued permits with recorded application and issuance dates over the trailing 60 months. Categories with fewer than 20 permits are excluded.