209 Montego Key
Novato 94949 · Bel Marin Keys · Unincorporated Marin · Coordinates: 38.08762, -122.52052
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 $1,412,000 ($1,243,000–$1,581,000).
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 (+$41,250 contributory est.)
Public building records show issued construction/renovation work on this parcel (7 total permits, latest Sep 1, 2026).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (parcel APN)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (AE, all 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)
- ! Delayed or open permit activity on this parcel
Remodel / interior alteration (93160): Pending in review for 18 mo (6.7× 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)
- ! 2 slow or stalled nearby projects within ½ mile
Closest lead: Demolition at 54 Calypso Shores (0.47 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)
- ! Year 1 Prop 13 tax reset (~$16,688/yr at $1,412,000)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,391/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:
- 11,848 sq ft (0.27 ac)
- Assessor use:
- Single-Resid. - Improved
- Addresses on lot:
- 209 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 all 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 11,848 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 all 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) (all 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: $1,243,000 – $1,581,000 · 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
Developments Deserving Closer Investigation & Active Area Builders
- Remodel / interior alteration (93160) (Applied)On this parcel
Pending in review for 18 mo (6.7× the 83d median) — slower than 90% of remodel / interior alteration permits in Unincorporated Marin (median 83d, 90th pct 266d, n=1,054).
- Remodel / interior alteration (182492) (Issued)On this parcel
Issued after 9 mo (3.2× the 83d median) — above the 75th percentile for remodel / interior alteration permits in Unincorporated Marin (median 83d, 75th pct 148d, n=1,054).
- Demolition at 54 Calypso Shores (Applied)0.47 mi SE
In "Applied" for 4.5 yr (since May 26, 2022), exceeding the 55d median and 261d 90th percentile for demolition permits in Unincorporated Marin (n=130).
- Demolition at 1051 Bel Marin Keys Blvd (Issued)0.44 mi SE
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: Owner Builder (1 on parcel, 12 in ½ mi · Remodel / interior alteration); Superior Structures (2 on parcel, 2 in ½ mi · Remodel / interior alteration); Ici (1 on parcel, 1 in ½ mi · HVAC / heat pump); Atlas Roofing Bay Area (1 on parcel, 1 in ½ mi · Roof replacement); Frontline Roofing (1 on parcel, 1 in ½ mi · Roof replacement).
Permit & Project History on This Parcel (7 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| 182492 | Remodel / interior alteration | Issued | Iss. Sep 1, 2026 | $75,000 | Remodel Kitchen & Baths; Replace/Add Windows/Doors |
| B45221 | HVAC / heat pump | Issued | Iss. Dec 19, 2025 | $25,000 | Installing new gas electric furnace and duct work with gas line. — New Ductwork, Mechanical Appliance |
| B44659 | Windows / doors / siding | Issued | Iss. Nov 4, 2025 | $15,000 | Replace existing windows in kind /repair stucco around windows & doors — Non-structural Door/Window Replacement |
| 93160 | Remodel / interior alteration | Applied | App. May 2, 2025 | $174,870 | Remodel: Kitchen, Hall Bath, & M Bath; Window & Door Replacement; New Lights Throughout & Main Panel Upgrade |
| B37668 | Roof replacement |