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In Marin County, Calif., a wealthy bedroom community north of San Francisco, an unbuilt waterfront spec house with plans for a Japanese-style garden and a boat locker is seeking $65 million.

If the house sells for its asking price, it will be a record for Belvedere, said Scott Woods of Pacific Union International, who shares the listing with colleague Bill Smith. The current record is a house that sold for $47.5 million in 2015,…