San Rafael 94903 · Lucas Valley · APN 164-630-07 · Unincorporated Marin
Zoned RMP-0.345 in Unincorporated Marin with likely ministerial ADU eligibility and mapped CAL FIRE high fire hazard severity zone (state responsibility area) due diligence; benchmark value $1,560,000 ($1,373,000–$1,747,000).
Zone RMP-0.345 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 (11 total permits, latest Oct 22, 2026).
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)
Automated synthesis of indexed municipal, county, state, and federal public records — informational context only, not a formal appraisal, survey, or legal/tax determination.
33 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
$1,560,000
Benchmark range: $1,373,000 – $1,747,000
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 Apr 1, 2024)
Closest lead: Accessory dwelling unit at 71 Creekside Dr (0.18 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)
Sale triggers reassessment to 1.00% base + ~0.15% voter debt (~$1,533/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-0.345 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.
In "Applied" for 5.3 yr (since Aug 12, 2021), with no new permit record in 4.6 yr. · 1 unit · $150,000 declared valuation
Permit issued and active for 2.6 yr (first record Mar 25, 2024), with no completion or new permit record in 2.6 yr. · 1 unit · $9,700 declared valuation
Nearby other (15 Silver Pine Ter): First appeared in published agency feed
Record B48938 · Detected between snapshots
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Snapshot diff within ½ mile
New garage / accessory structure permit issued (182807)
Recorded status: Issued
New Single Story Detached Non-Conditioned Two Car Garage Type V Structure. · Declared valuation: $75,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Latest published Zillow Home Value Index (ZHVI) update
Changed from $1,200,587 in September 2025 to $1,250,063 in September 2026.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94903 (not a parcel appraisal)
New garage / accessory structure permit application filed (182807)
Current status: Issued
New Single Story Detached Non-Conditioned Two Car Garage Type V Structure. · Declared valuation: $75,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Annual ZIP 94903 home-value index checkpoint
Changed from $1,237,445 in September 2024 to $1,200,587 in September 2025.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94903 (not a parcel appraisal)
Annual ZIP 94903 home-value index checkpoint
Changed from $1,210,123 in September 2023 to $1,237,445 in September 2024.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94903 (not a parcel appraisal)
12 Red Cedar Ct · 1 unit · $9,700 valuation
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Other permit application filed (B35754)
Current status: Issued
26KW Generac Generator Install · Declared valuation: $16,033 · Contractor: Divine Electric Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Other permit issued (B35754)
Recorded status: Issued
26KW Generac Generator Install · Declared valuation: $16,033 · Contractor: Divine Electric Inc
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Annual ZIP 94903 home-value index checkpoint
Changed from $1,252,503 in September 2022 to $1,210,123 in September 2023.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94903 (not a parcel appraisal)
Remodel / interior alteration permit issued (174497)
Recorded status: Issued
Remodel: Kitchen, Remove (3) Wood Burning & Replace W/ Gas Fireplaces · Declared valuation: $75,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
Remodel / interior alteration permit application filed (174497)
Current status: Issued
Remodel: Kitchen, Remove (3) Wood Burning & Replace W/ Gas Fireplaces · Declared valuation: $75,000 · Contractor: Owner/Builder
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) · Geography: parcel
2 Bay Laurel Ln (Aka 2a) · 1 unit · $250,000 valuation
Records span Dec 7, 2022 to May 31, 2023 (1 permit).
Source: County of Marin Community Development Agency, Building Permits (unincorporated Marin) & HCD APR (grouped project within ½ mile)
Annual ZIP 94903 home-value index checkpoint
Changed from $1,141,413 in September 2021 to $1,252,503 in September 2022.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94903 (not a parcel appraisal)
71 Creekside Dr · 1 unit · $150,000 valuation
Records span Aug 12, 2021 to Apr 22, 2022 (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 →In "Applied" for 5.3 yr (since Aug 12, 2021), exceeding the 253d median and 686d 90th percentile for new single-family home permits in Unincorporated Marin (n=121).
Active in "Issued" for 2.6 yr (first record Mar 25, 2024) with no new permit activity recorded in 2.6 yr.
Substantial improvements (additions, interior remodels, ADUs, commercial TI, and new builds) across 768 parcels
Small prior baseline
City baseline: 16.4 / 1k
10 in trailing 24m
Includes 3 ADUs
| Builder / contractor | Primary specialty | Here / ½ mi | ½ mi valuation | Citywide 24m trend |
|---|---|---|---|---|
| Owner Builder | New garage / accessory structure | 4 on parcel6 in ½ mi | $582,000 | 226 vs 240 prior−6% |
| Marin County Roofing | Roof replacement | 1 on parcel1 in ½ mi | $20,000 | 0 vs 0 prior |
| Owner | Remodel / interior alteration | 1 on parcel1 in ½ mi | $20,000 |
| 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) |
| New garage / accessory structureOn this parcel | 356 | 104d | 164d | 294d | 485d | 159d(vs 205d prior) |
HUD Small Area Fair Market Rent · ZIP 94903
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 ($15,600/yr) + local voter-approved bond debt ($2,340/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.
−$77,571/yr
Cash needed: $343,200
NOI: $17,087/yr
P&I: $7,888/mo
For $0/mo net cash flow
At $4,175/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 | $3,841/mo | −$6,944/mo | -24.3% | $13,534/mo | −$6,927/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $4,175/mo | −$6,464/mo | -22.6% | $12,527/mo | −$6,210/mo |
| Optimistic (cap-limited) | +6% starting rent, 3% vacancy, 4.5%/yr rent growth (capped by AB 1482 ceiling of 8.6%/yr) | $4,426/mo | −$6,189/mo | -21.6% | $12,236/mo | −$5,665/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.
New Single Story Detached Non-Conditioned Two Car Garage Type V Structure.
26KW Generac Generator Install
Remodel: Kitchen, Remove (3) Wood Burning & Replace W/ Gas Fireplaces
RE-ROOF THE SMALL SOUTH FACING FLAT ROOF ON RESIDENCE WITH CLASS A FIRE RATE (TPO) GRAY COLOR, INSTALL 2 SQUARES TOTAL. — ReRoofing
Conv Atrium To Kit; Rmdl Fam Rm, Din Rm, Entry; Decks & Stairs; Wndws; Siding; Entry Canopy And Bridge ***Extended To 9/20/21 Nh
Remod Loft Area T.D. 11/1/17
Exp & Rmdl Bath T.D. 8/16/17
T/O 2 existing- west side T/G roofs and replace with embed colored modified bitumen granule surfaced sheet. No new sheathing required. — ReRoofing; With Electronic Inspection
Replace windows & doors in kind — Non-structural Door/Window Replacement
Replace water heater with tankless on demand water heater. — Replace Plumbing Fixtures(s)
P V Sys 7.157 K W - Express (E-Inspection)
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
0.92 acres
Assessor's classification for assessment purposes. This is not zoning.
20 WESTGATE DR
Source: County of Marin GIS (MarinMap), Parcels · Geography: parcel · Retrieved Nov 13, 2026
Search by parcel number 164-630-07. Assessed value is not market value.
Search by parcel number 164-630-07 (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.
| 25 vs 15 prior+67% |
| Pac Solar | Solar / battery storage | 1 on parcel1 in ½ mi | $17,000 | 0 vs 0 prior |
| Divine Electric | Other | 1 on parcel1 in ½ mi | $16,033 | 2 vs 1 prior |
| Floyd Construction | Electrical / panel | 1 on parcel1 in ½ mi | $10,000 | 3 vs 5 prior |
| Creative Services | Roof replacement | 1 on parcel1 in ½ mi | $3,150 | 0 vs 0 prior |
| Mike Testa Plumbing | Plumbing / water heater / sewer | 1 on parcel1 in ½ mi | $2,970 | 0 vs 0 prior |
| Hadley Recent nearby: 19 Westgate Dr (Jun 21, 2021) | New garage / accessory structure | 2 in ½ mi | $775,000 | 0 vs 0 prior |
| Rempe Steve General Contr Recent nearby: 1 Red Cedar Ct (Mar 19, 2015) | Remodel / interior alteration | 1 in ½ mi | $350,000 | 0 vs 0 prior |
| Accessory dwelling unit (new or conversion) | 298 | 120d | 204d | 331d | 549d | 214d(vs 181d prior) |
| Addition (adds square footage) | 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) |
| Solar / battery storageOn this parcel | 2,977 | 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.