




164 Montego Key, Novato, CA, 94949
About This Home
Sweeping south-facing water views define this beautifully positioned single-level waterfront home in Bel Marin Keys. Overlooking one of the community's widest waterways, the home enjoys an exceptional setting with abundant natural light and distant views of Mount Tamalpais completing the picturesque backdrop. A welcoming circular driveway creates an elegant sense of arrival, while the front door opens to immediate sightlines through the living room and out to the water beyond. Thoughtfully designed for effortless everyday living, the two-bedroom, two-bath floor plan offers hardwood floors, a charming kitchen with granite countertops, an adjoining dining area, and a spacious living room with sliding glass doors that seamlessly connect to the waterfront backyard. The primary suite is perfectly positioned to capture the views and features an ensuite bath with direct access to the outdoor living spaces. A guest bedroom, full bath, dedicated laundry closet, and attached two-car garage with generous storage complete the home. Outside, a spacious paver patio, level turf, mature fruit trees, private boat dock, and waterside seating area create an inviting setting for entertaining or simply enjoying the Bel Marin Keys lifestyle. Whether boating, paddleboarding, kayaking, or relaxing as the light dances across the water, this home offers an exceptional opportunity to experience waterfront living at its finest. Conveniently located near Highway 101 with easy access to Marin, Sonoma, Napa, and San Francisco, this is a rare opportunity to enjoy single-level living in one of Bel Marin Keys' most desirable waterfront locations.
Getting Around
Schools
Construction
Condition
- Year built: 1964
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Free-Standing Gas Range,Free-Standing Refrigerator,Microwave,Dryer,Washer
- Laundry features: Laundry Closet
Basement
- Basement: None
Bathroom
- Features: Shower Stall(s),Tile,Tub w/Shower Over,Window
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Dining/Living Combo
- Level: Main
Features
- Flooring: Tile,Wood
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 1,324
- Total interior livable area: 1,324 sqft
Kitchen
- Features: Granite Counters
- Level: Main
Living Room
- Features: Great Room,View
- Level: Main
Master Bedroom
- Features: Closet,Ground Floor,Outside Access,Sitting Area
- Level: Main
Property
Details
- Parcel number: 15724204
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio
- Fencing: Wood
- Has view: Yes
- View description: Hills,Mt Tamalpais,Water
- Has water view: Yes
- Water view: Water
Lot
- Lot size: 10,240 sqft
- Features: Landscaped,Landscape Front,Other
Parking
- Total spaces: 5
- Parking features: Attached,Garage Faces Front,Inside Entrance,Uncovered Parking Spaces 2+,Paved
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Earthquake
- Drought
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Marin County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $7,271 | $87,252 |
| Home Insurance * | $221 | $2,652 |
| Property Taxes | $1,700 | $20,400 |
| Electricity | $398 | $4,786 |
| Total | $9,590 | $115,080 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-06 | Listed for sale | $1,438,000 |
| 2021-05-05 | Sold | $1,238,000 |
| 2019-06-22 | Listing removed | $1,295,000 |
| 2019-05-05 | Listed for sale | $1,295,000 |
| 2019-03-03 | Listing removed | $1,400,000 |
| 2018-11-21 | Price change | $1,400,000 |
| 2018-10-27 | Listed for sale | $1,500,000 |
| 2008-11-12 | Sold | $550,000 |
