Novato 94949 · Bel Marin Keys · APN 157-580-16 · Unincorporated Marin
Zoned RMP-12-BFC in Unincorporated Marin with likely ministerial ADU eligibility and mapped CAL FIRE moderate fire hazard severity zone (local responsibility area) due diligence; benchmark value $1,300,000 ($1,144,000–$1,456,000).
Zone RMP-12-BFC allows residential use qualifying for ministerial ADU review under state law.
Source: Unincorporated Marin zoning · CA Gov. Code 66314
On-parcel permit history is indexed through Mar 17, 2021, letting you verify roof, HVAC, electrical, or structural work against seller disclosures.
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (parcel APN)
all of the lot of the parcel intersects Zone X: 0.2% annual chance flood hazard (shaded X). 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.
108 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
$1,300,000
Benchmark range: $1,144,000 – $1,456,000
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 Mar 24, 2025)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,283/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 RMP-12-BFC as multifamily 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 (51 Del Oro Lagoon): First appeared in published agency feed
Record B49078 · Detected between snapshots
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Snapshot diff within ½ mile
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)
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)
Annual ZIP 94949 home-value index checkpoint
Changed from $891,467 in September 2020 to $1,085,347 in September 2021.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94949 (not a parcel appraisal)
Windows / doors / siding permit issued (B24982)
Recorded status: Issued
The company Save Energy (license 440356) will replace a window on the second floor (the bedroom facing the street) and a sliding door on the first floor, due to water and other leaks experienced. The scope includes Install 1 double vented sliding window, install 1 contemporary patio sliding door, professional installation: retrofit window, new construction door 366 lo e glass, argon, screens; hardware: standard locks; haul away all debris; all new trim to be caulked and primed. — Non-structural Door/Window Replacement · Declared valuation: $6,286 · Contractor: Owner
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Windows / doors / siding permit application filed (B24982)
Current status: Issued
The company Save Energy (license 440356) will replace a window on the second floor (the bedroom facing the street) and a sliding door on the first floor, due to water and other leaks experienced. The scope includes Install 1 double vented sliding window, install 1 contemporary patio sliding door, professional installation: retrofit window, new construction door 366 lo e glass, argon, screens; hardware: standard locks; haul away all debris; all new trim to be caulked and primed. — Non-structural Door/Window Replacement · Declared valuation: $6,286 · Contractor: Owner
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
68 Del Oro Lagoon A K A · 1 unit · $75,000 valuation
Records span Dec 24, 2018 to Oct 23, 2019 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
184 Caribe Isle · 1 unit · $25,000 valuation
Records span Apr 24, 2017 to Jan 11, 2018 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
General repair permit issued (151442)
Recorded status: Issued
Repl 100 Sq Ft Sheetrock In Bath & Liv Rm Due To Dishwasher Leak***Expired · Declared valuation: $14,245 · Contractor: Bravo Company Restoration Corporation
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 →No active projects on this parcel or within ½ mile currently exceed empirical 75th-percentile review-time thresholds or high-scale alerts.
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 |
|---|---|---|---|---|
| Owner | Remodel / interior alteration | 1 on parcel7 in ½ mi | $218,286 | 25 vs 15 prior+67% |
| Bravo Restoration | General repair | 1 on parcel1 in ½ mi | $14,245 | 0 vs 2 prior |
| Owner Builder Recent nearby: 144 Montego Key (Jun 5, 2025) | Remodel / interior alteration | 14 in ½ mi |
| 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 ($13,000/yr) + local voter-approved bond debt ($1,950/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.
−$65,771/yr
Cash needed: $286,000
NOI: $13,111/yr
P&I: $6,574/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 | −$5,874/mo | -24.6% | $11,351/mo | −$5,867/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $3,425/mo | −$5,481/mo | -23.0% | $10,506/mo | −$5,279/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 | −$5,255/mo | -22.0% | $10,262/mo | −$4,832/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.
The company Save Energy (license 440356) will replace a window on the second floor (the bedroom facing the street) and a sliding door on the first floor, due to water and other leaks experienced. The scope includes Install 1 double vented sliding window, install 1 contemporary patio sliding door, professional installation: retrofit window, new construction door 366 lo e glass, argon, screens; hardware: standard locks; haul away all debris; all new trim to be caulked and primed. — Non-structural Door/Window Replacement
Repl 100 Sq Ft Sheetrock In Bath & Liv Rm Due To Dishwasher Leak***Expired
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
0.02 acres
Assessor's classification for assessment purposes. This is not zoning.
22 BERMUDA HARBOUR
Source: County of Marin GIS (MarinMap), Parcels · Geography: parcel · Retrieved Nov 13, 2026
Search by parcel number 157-580-16. Assessed value is not market value.
Search by parcel number 157-580-16 (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.
| $643,197 |
| 226 vs 240 prior−6% |
| Yonts Construction Recent nearby: 78 Del Oro Lagoon (Apr 18, 2019) | Addition (adds square footage) | 2 in ½ mi | $315,000 | 1 vs 1 prior |
| Whitcomb Construction Recent nearby: 132 Montego Key (May 3, 2023) | Remodel / interior alteration | 2 in ½ mi | $68,435 | 0 vs 2 prior |
| Blue Moon Builders Recent nearby: 25 Del Oro Lagoon (Feb 6, 2025) | Remodel / interior alteration | 1 in ½ mi | $287,000 | 1 vs 0 prior |
| Aaa Consttruction And Design Recent nearby: 144 Caribe Isle (Apr 5, 2022) | Addition (adds square footage) | 1 in ½ mi | $250,000 | 0 vs 1 prior |
| Wolk Development Recent nearby: 184 Caribe Isle (Oct 25, 2021) | Addition (adds square footage) | 1 in ½ mi | $200,000 | 0 vs 1 prior |
| Northbay Home Construction Solutions Recent nearby: 42 Cavalla Cay (Aug 3, 2023) | Addition (adds square footage) | 1 in ½ mi | $150,000 | 4 vs 2 prior |
| 316 |
| 103d |
| 160d |
| 249d |
| 440d |
| 157d(vs 167d prior) |
| Remodel / interior alteration | 1,054 | 36d | 83d | 148d | 266d | 112d(vs 77d prior) |
| Commercial tenant improvement | 81 | 99d | 148d | 233d | 443d | 152d(vs 150d prior) |
| Windows / doors / sidingOn this parcel | 1,476 | 0d | 0d | 0d | 5d | 0d |
| General repairOn this parcel | 693 | 38d | 83d | 181d | 328d | 97d(vs 66d prior) |
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.