17 Montego Key
Novato 94949 · Bel Marin Keys · Unincorporated Marin · Coordinates: 38.08218, -122.52532
Executive Verdict · Public-Records Synthesis
Zoned RSP-5.8,F1-BFC in Unincorporated Marin with likely ministerial ADU eligibility and mapped FEMA AE flood due diligence; benchmark value $1,372,000 ($1,207,000–$1,537,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone RSP-5.8,F1-BFC allows residential use qualifying for ministerial ADU review under state law.
Source: Unincorporated Marin zoning · CA Gov. Code 66314
- ✓ Documented permitted upgrades (+$5,120 contributory est.)
Public building records show issued construction/renovation work on this parcel (2 total permits, latest Aug 29, 2025).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (parcel APN)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (AE, about 29% of the lot of lot)
Zone AE: 1% annual chance flood (Special Flood Hazard Area) overlaps this parcel. Expect mandatory flood insurance for federally backed loans and floodplain elevation/mitigation rules for new units or SB 9 applications.
Source: FEMA National Flood Hazard Layer (parcel polygon)
- ! 1 slow or stalled nearby project within ½ mile
Closest lead: Demolition at 1051 Bel Marin Keys Blvd (0.5 mi E, issued). Inspect timeline history before assuming near-term completion.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · HCD APR (½-mile radius)
- ! Year 1 Prop 13 tax reset (~$16,228/yr at $1,372,000)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,352/mo). Confirm exact Mello-Roos / CFD special assessments on the county tax bill.
Source: CA Const. Art. XIIIA (Prop 13) · County Tax Collector
Parcel & Assessor
- Lot size:
- 11,413 sq ft (0.26 ac)
- Assessor use:
- Single-Resid. - Improved
- Addresses on lot:
- 17 MONTEGO KEY
Zoning & Land Use
RSP-5.8,F1-BFC — Residential Single Family Planned (Unincorporated Marin)
Undesignated — Undesignated (Novato)
State Housing Pathways Screen (ADU & SB 9)
- ADU or junior ADULikely eligible
Zoned RSP-5.8,F1-BFC (single-family residential): state law allows ADUs where homes are allowed. The parcel point also falls in Undesignated.
- SB 9: two homes on the lotPossible, with conditions
Zoned RSP-5.8,F1-BFC, a single-family residential zone. The parcel point also falls in Undesignated. FEMA Special Flood Hazard Area (Zone AE) covers about 29% of the lot: the project must meet the National Flood Insurance Program floodplain standards, or the lot needs a map revision.
- SB 9: split into two lotsPossible, with conditions
Zoned RSP-5.8,F1-BFC, a single-family residential zone. The parcel point also falls in Undesignated. The lot is 11,413 sq ft by the assessor, room for two lots of at least 1,200 sq ft, each at least 40% of the original. FEMA Special Flood Hazard Area (Zone AE) covers about 29% of the lot: the project must meet the National Flood Insurance Program floodplain standards, or the lot needs a map revision.
Mapped Hazard Zones on This Lot
- CAL FIRE Fire Hazard Severity Zone
- Not in a State-mapped fire hazard severity zone
- FEMA National Flood Hazard Layer
- Zone AE: 1% annual chance flood (Special Flood Hazard Area) (about 29% of the lot); Zone X: 0.2% annual chance flood hazard (shaded X) (about 71% of the lot) · FIRM panel 06041C0284E, effective March 16, 2016
- CGS Alquist-Priolo Earthquake Fault Zone
- Not in an Alquist-Priolo Earthquake Fault Zone
Surrounding Rent & Value Benchmarks (Public Records)
Range: $1,207,000 – $1,537,000 · Status: Off market
HUD Small Area FMR (ZIP 94949) · FY 2026
Studio $2,360 · 1BR $2,830 · 2BR $3,430 · 3BR $4,380 · 4BR $4,540
Nearby Activity (½ mile radius, since November 2024)
0 active or recent development projects and 109 total building permits recorded within ½ mile.
- Additions & renovations7 permits
- Building systems85 permits
- Other17 permits
Developments Deserving Closer Investigation & Active Area Builders
- Demolition at 1051 Bel Marin Keys Blvd (Issued)0.5 mi E
Active in "Issued" for 8.5 yr (first record May 21, 2018) with no new permit activity recorded in 8.4 yr.
Entity-resolved builders & contractors in ½ mile: Fidelity Home Energy (1 on parcel, 1 in ½ mi · Solar / battery storage); Jazz Heating And Cooling (1 on parcel, 1 in ½ mi · HVAC / heat pump); Owner Builder (15 in ½ mi · Remodel / interior alteration); Owner (7 in ½ mi · Remodel / interior alteration); Yonts Construction (2 in ½ mi · Addition (adds square footage)).
Permit & Project History on This Parcel (2 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| B43671 | HVAC / heat pump | Issued | Iss. Aug 29, 2025 | $16,173 | Replace A/C with Heat Pump 18 SEER 4 TON same location. Replace EVAP COIL — Replace Mechanical Appliance |
| 154588 | Solar / battery storage | Issued | Iss. Feb 22, 2017 | $17,000 | P V Sys 4.4 K W - Express |