Novato 94949 · Bel Marin Keys · APN 157-242-12 · Unincorporated Marin
Zoned RSP-5.8-BFC in Unincorporated Marin with likely ministerial ADU eligibility and mapped FEMA AE flood due diligence; benchmark value $1,379,000 ($1,214,000–$1,544,000).
Zone RSP-5.8-BFC allows residential use qualifying for ministerial ADU review under state law.
Source: Unincorporated Marin zoning · CA Gov. Code 66314
Public building records show issued construction/renovation work on this parcel (6 total permits, latest Aug 30, 2023).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (parcel APN)
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)
Automated synthesis of indexed municipal, county, state, and federal public records — informational context only, not a formal appraisal, survey, or legal/tax determination.
96 permits within ½ mile since November 2024
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
$1,379,000
Benchmark range: $1,214,000 – $1,544,000
Remodel / interior alteration (88749): Pending in review for 5.3 yr (23.2× the 83d median) — slower than 90% of remodel / interior alteration permits in Unincorporated Marin (median 83d, 90th pct 266d, n=1,054).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (review-time benchmark)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,359/mo). Confirm exact Mello-Roos / CFD special assessments on the county tax bill.
Source: CA Const. Art. XIIIA (Prop 13) · County Tax Collector
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.
No ADU or new-home permits recorded within ¼ mile in this window.
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-5.8-BFC 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.
Nearby other (188 Caribe Isle): First appeared in published agency feed
Record B49032 · Detected between snapshots
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Snapshot diff within ½ mile
Nearby windows / doors / siding (934 Bel Marin Keys Blvd): First appeared in published agency feed
Record B48879 · 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 $1,191,440 in September 2025 to $1,207,546 in September 2026.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Annual ZIP 94949 home-value index checkpoint
Changed from $1,198,925 in September 2024 to $1,191,440 in September 2025.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Annual ZIP 94949 home-value index checkpoint
Changed from $1,163,503 in September 2023 to $1,198,925 in September 2024.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Annual ZIP 94949 home-value index checkpoint
Changed from $1,189,629 in September 2022 to $1,163,503 in September 2023.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Windows / doors / siding permit application filed (B35228)
Current status: Issued
Replace 7 retrofit windows, 1 retrofit sliding door and 1 entry door. — Non-structural Door/Window Replacement · Declared valuation: $45,402 · Contractor: Jemico Llc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Windows / doors / siding permit issued (B35228)
Recorded status: Issued
Replace 7 retrofit windows, 1 retrofit sliding door and 1 entry door. — Non-structural Door/Window Replacement · Declared valuation: $45,402 · Contractor: Jemico Llc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
284 Montego Key · 1 unit · $178,000 valuation
Records span Aug 3, 2022 to May 30, 2023 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Remodel / interior alteration permit issued (173951)
Recorded status: Issued
Remodel: (N) Laundry Area In (E) Kitchen, (2) Baths; (N) Swing Door In Garage · Declared valuation: $50,435 · Contractor: Whitcomb Construction
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Remodel / interior alteration permit application filed (173951)
Current status: Issued
Remodel: (N) Laundry Area In (E) Kitchen, (2) Baths; (N) Swing Door In Garage · Declared valuation: $50,435 · Contractor: Whitcomb Construction
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Annual ZIP 94949 home-value index checkpoint
Changed from $1,085,347 in September 2021 to $1,189,629 in September 2022.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Electrical / panel permit issued (170317)
Recorded status: Issued
Main Panel Upgrade, Remove Sub Panel, & Install Circuit For Mini Split · Declared valuation: $9,000 · Contractor: Spyrka Electric Inc.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Electrical / panel permit application filed (170317)
Current status: Issued
Main Panel Upgrade, Remove Sub Panel, & Install Circuit For Mini Split · Declared valuation: $9,000 · Contractor: Spyrka Electric Inc.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Plumbing / water heater / sewer permit application filed (B27636)
Current status: Issued
Run gas line from meter into fireplace and backyard for bbq (30ft) — New Gas Service · Declared valuation: $4,131 · Contractor: William Gotelli Plumbing Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
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 →Pending in review for 5.3 yr (23.2× the 83d median) — slower than 90% of remodel / interior alteration permits in Unincorporated Marin (median 83d, 90th pct 266d, n=1,054).
Substantial improvements (additions, interior remodels, ADUs, commercial TI, and new builds) across 741 parcels
Small prior baseline
City baseline: 16.4 / 1k
7 in trailing 24m
Includes 0 ADUs
| Builder / contractor | Primary specialty | Here / ½ mi | ½ mi valuation | Citywide 24m trend |
|---|---|---|---|---|
| Whitcomb Construction | Remodel / interior alteration | 1 on parcel2 in ½ mi | $68,435 | 0 vs 2 prior |
| Evb General Contractor | Remodel / interior alteration | 1 on parcel1 in ½ mi | $119,365 | 0 vs 0 prior |
| Jemico | Windows / doors / siding | 1 on parcel1 in ½ mi | $45,402 | 0 |
| 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 94949
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 ($13,800/yr) + local voter-approved bond debt ($2,070/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.
−$71,545/yr
Cash needed: $303,600
NOI: $12,191/yr
P&I: $6,978/mo
For $0/mo net cash flow
At $3,425/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 | $3,151/mo | −$6,356/mo | -25.1% | $12,023/mo | −$6,355/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $3,425/mo | −$5,962/mo | -23.6% | $11,128/mo | −$5,767/mo |
| Optimistic (cap-limited) | +6% starting rent, 3% vacancy, 4.5%/yr rent growth (capped by AB 1482 ceiling of 8.6%/yr) | $3,631/mo | −$5,736/mo | -22.7% | $10,870/mo | −$5,319/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.
Replace 7 retrofit windows, 1 retrofit sliding door and 1 entry door. — Non-structural Door/Window Replacement
Remodel: (N) Laundry Area In (E) Kitchen, (2) Baths; (N) Swing Door In Garage
Main Panel Upgrade, Remove Sub Panel, & Install Circuit For Mini Split
Run gas line from meter into fireplace and backyard for bbq (30ft) — New Gas Service
remove furnace and replace with heat pump. — Replace Mechanical Appliance
Interior Remodel - Kitchen, [2] Bath, & [2] Bedroom
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
0.23 acres
Assessor's classification for assessment purposes. This is not zoning.
132 MONTEGO KEY
Source: County of Marin GIS (MarinMap), Parcels · Geography: parcel · Retrieved Nov 13, 2026
Search by parcel number 157-242-12. Assessed value is not market value.
Search by parcel number 157-242-12 (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.
| Rj Mechanical | HVAC / heat pump | 1 on parcel1 in ½ mi | $13,750 | 0 vs 0 prior |
| Spyrka Electric | Electrical / panel | 1 on parcel1 in ½ mi | $9,000 | 0 vs 0 prior |
| William Gotelli Plumbing | Plumbing / water heater / sewer | 1 on parcel1 in ½ mi | $4,131 | 0 vs 0 prior |
| Owner Builder Recent nearby: 144 Montego Key (Jun 5, 2025) | Remodel / interior alteration | 13 in ½ mi | $581,697 | 226 vs 240 prior−6% |
| Owner Recent nearby: 169 Montego Key (Feb 15, 2022) | Remodel / interior alteration | 4 in ½ mi | $167,000 | 25 vs 15 prior+67% |
| Juan Calmell Recent nearby: 217 Montego Key (Oct 29, 2014) | Addition (adds square footage) | 2 in ½ mi | $210,000 | 0 vs 0 prior |
| Cogliandro Construction Recent nearby: 300 Montego Key (Apr 28, 2020) | Addition (adds square footage) | 1 in ½ mi | $275,000 | 1 vs 2 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) |
| HVAC / heat pumpOn this parcel | 2,946 | 0d | 0d | 0d | 0d | 0d |
| Electrical / panelOn this parcel | 3,019 | 0d | 0d | 0d | 2d | 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.