Novato 94949 · Loma Verde · APN 160-181-18 · Unincorporated Marin
Zoned Undesignated in Unincorporated Marin and mapped CAL FIRE moderate fire hazard severity zone (local responsibility area) due diligence; benchmark value $1,245,000 ($1,096,000–$1,394,000).
On-parcel permit history is indexed through May 1, 2026, 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: 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)
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)
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: 3 permitted.
3 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.
140 permits within ½ mile since November 2024
$1,245,000
Benchmark range: $1,096,000 – $1,394,000
HVAC / heat pump (181605): Issued after 3 mo — slower than 90% of hvac / heat pump permits in Unincorporated Marin (median 0d, 90th pct 0d, n=2,946).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) (review-time benchmark)
Closest lead: Accessory dwelling unit at 424 Corte Escuela (0.24 mi S, 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)
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 Undesignated as other, 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.
In "Applied" for 2.8 yr (since Jan 17, 2024), with no new permit record in 2.8 yr. · 1 unit · $25,000 declared valuation
Permit issued and active for 2.5 yr (first record May 6, 2024), with no completion or new permit record in 2 yr. · 1 unit · $85,000 declared valuation
Permit issued and active for 2.7 yr (first record Mar 13, 2024), with no completion or new permit record in 20 mo. · 1 unit · $330,000 declared valuation
Permit issued and active for 3.9 yr (first record Dec 28, 2022), with no completion or new permit record in 12 mo. · 1 unit · $10,000 declared valuation
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)
HVAC / heat pump permit issued (181605)
Recorded status: Issued
Add Beam Expand Dining Rm; Replace 70 A Subpanel; 220 V Outlet @ Laundry; Infill Laundry Window; Firepl Insert · Declared valuation: $17,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Plumbing / water heater / sewer permit application filed (B45512)
Current status: Issued
Remodel an existing kitchen in a single family home. Relocate 220v stove and sink. Add work island and 6 new gfci outlets. Extend kitchen run into great room. No walls removed or added in this scope. · Declared valuation: $32,000 · Contractor: Kristin Personett
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Plumbing / water heater / sewer permit issued (B45512)
Recorded status: Issued
Remodel an existing kitchen in a single family home. Relocate 220v stove and sink. Add work island and 6 new gfci outlets. Extend kitchen run into great room. No walls removed or added in this scope. · Declared valuation: $32,000 · Contractor: Kristin Personett
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
HVAC / heat pump permit application filed (181605)
Current status: Issued
Add Beam Expand Dining Rm; Replace 70 A Subpanel; 220 V Outlet @ Laundry; Infill Laundry Window; Firepl Insert · Declared valuation: $17,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Roof replacement permit application filed (B45448)
Current status: Issued
Remove existing roof. Install with new Lifetime Class A composition shingles. — ReRoofing · Declared valuation: $23,350 · Contractor: Capstone Roofing Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Roof replacement permit issued (B45448)
Recorded status: Issued
Remove existing roof. Install with new Lifetime Class A composition shingles. — ReRoofing · Declared valuation: $23,350 · Contractor: Capstone Roofing Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Plumbing / water heater / sewer permit issued (B45070)
Recorded status: Issued
Replace in kind 3 full bathrooms and one half bathroom, all associated fixtures, finishes, mechanical, electrical and plumbing. · Declared valuation: $32,000 · Contractor: Kristin Personett
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Plumbing / water heater / sewer permit application filed (B45070)
Current status: Issued
Replace in kind 3 full bathrooms and one half bathroom, all associated fixtures, finishes, mechanical, electrical and plumbing. · Declared valuation: $32,000 · Contractor: Kristin Personett
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
HVAC / heat pump permit application filed (B44995)
Current status: Issued
fan coil, heat pump and air duct replacement — Replace Ductwork, Replace Mechanical Appliance · Declared valuation: $30,000 · Contractor: Element Home Solutions Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
HVAC / heat pump permit issued (B44995)
Recorded status: Issued
fan coil, heat pump and air duct replacement — Replace Ductwork, Replace Mechanical Appliance · Declared valuation: $30,000 · Contractor: Element Home Solutions Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
422 Corte Escuela (A D U 422 A) · 1 unit · $10,000 valuation
Records span Dec 28, 2022 to Oct 31, 2025 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
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)
486 Via Herbosa (Adu 486a) · 1 unit · $330,000 valuation
Records span Mar 13, 2024 to Mar 18, 2025 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
477 Alameda De La Loma (Aka 477a) · 1 unit · $85,000 valuation
Records span May 6, 2024 to Nov 26, 2024 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
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 →Issued after 3 mo — slower than 90% of hvac / heat pump permits in Unincorporated Marin (median 0d, 90th pct 0d, n=2,946).
In "Applied" for 2.8 yr (since Jan 17, 2024), exceeding the 253d median and 686d 90th percentile for new single-family home permits in Unincorporated Marin (n=121).
Active in "Issued" for 2.5 yr (first record May 6, 2024) with no new permit activity recorded in 2 yr.
Active in "Issued" for 3.9 yr (first record Dec 28, 2022) with no new permit activity recorded in 12 mo.
Active in "Issued" for 2.7 yr (first record Mar 13, 2024) with no new permit activity recorded in 20 mo.
Substantial improvements (additions, interior remodels, ADUs, commercial TI, and new builds) across 494 parcels
Small prior baseline
City baseline: 16.4 / 1k
3 in trailing 24m
Includes 3 ADUs
| Builder / contractor | Primary specialty | Here / ½ mi | ½ mi valuation | Citywide 24m trend |
|---|---|---|---|---|
| Owner Builder | Remodel / interior alteration | 1 on parcel18 in ½ mi | $1,819,050 | 226 vs 240 prior−6% |
| Kristin Personett | Plumbing / water heater / sewer | 2 on parcel2 in ½ mi | $64,000 | 0 vs 0 prior |
| Element Home Solutions | HVAC / heat pump | 1 on parcel1 in ½ mi | $30,000 |
| 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 ($12,450/yr) + local voter-approved bond debt ($1,868/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.
−$61,801/yr
Cash needed: $273,900
NOI: $13,744/yr
P&I: $6,295/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 | −$5,544/mo | -24.3% | $10,889/mo | −$5,532/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $3,425/mo | −$5,150/mo | -22.6% | $10,079/mo | −$4,944/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 | −$4,924/mo | -21.6% | $9,845/mo | −$4,497/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.
Add Beam Expand Dining Rm; Replace 70 A Subpanel; 220 V Outlet @ Laundry; Infill Laundry Window; Firepl Insert
Remodel an existing kitchen in a single family home. Relocate 220v stove and sink. Add work island and 6 new gfci outlets. Extend kitchen run into great room. No walls removed or added in this scope.
Remove existing roof. Install with new Lifetime Class A composition shingles. — ReRoofing
Replace in kind 3 full bathrooms and one half bathroom, all associated fixtures, finishes, mechanical, electrical and plumbing.
fan coil, heat pump and air duct replacement — Replace Ductwork, Replace Mechanical Appliance
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
0.19 acres
Assessor's classification for assessment purposes. This is not zoning.
432 CALLE DE LA MESA
Source: County of Marin GIS (MarinMap), Parcels · Geography: parcel · Retrieved Nov 13, 2026
Search by parcel number 160-181-18. Assessed value is not market value.
Search by parcel number 160-181-18 (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.
| 0 vs 0 prior |
| Capstone Roofing | Roof replacement | 1 on parcel1 in ½ mi | $23,350 | 0 vs 0 prior |
| Owner Recent nearby: 1018 Calle Empinado Was 1020 (Feb 24, 2021) | Remodel / interior alteration | 8 in ½ mi | $425,000 | 25 vs 15 prior+67% |
| Juan Calmell Recent nearby: 429 Calle De La Mesa (Aug 4, 2014) | Remodel / interior alteration | 4 in ½ mi | $112,500 | 0 vs 0 prior |
| Smi Demolition Recent nearby: 340 Alameda De La Loma (Jan 16, 2026) | Demolition | 3 in ½ mi | $34,600 | 2 vs 2 prior |
| S And Z Construction Recent nearby: 499 Via Del Plano (Apr 5, 2016) | Addition (adds square footage) | 2 in ½ mi | $140,000 | 0 vs 0 prior |
| Wormood Recent nearby: 45 Alameda De La Loma (Jul 16, 2019) | Remodel / interior alteration | 2 in ½ mi | $91,980 | 1 vs 2 prior |
| Green Bay Remodeling Recent nearby: 439 Calle De La Mesa (Oct 14, 2019) | Remodel / interior alteration | 2 in ½ mi | $43,000 | 5 vs 5 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) |
| Roof replacementOn this parcel | 3,663 | 0d | 0d | 0d | 0d | 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.