San Mateo County property record for 31 Waterloo Ct, Belmont, CA 94002
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,230 sqft · built 1970 |
| Lot Size | 0.246 acres (10,722 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $9,742 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-422-140 |
| Primary APN | 045-422-140 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,230 sqft Living Area |
| Gross Area | 2,830 sqft |
| 1st Floor Area | 1,630 sqft |
| 2nd Floor Area | 600 sqft |
| Basement Area | 310 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 10,722 sqft (0.246 acres) |
| Garage Type | Attached |
| Garage Area | 290 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 31 WATERLOO CT |
|---|---|
| City | BELMONT |
| State | CA |
| Zip | 94002-2936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 14 BLK 5 HALLMARK UNIT NO 5 RSM 69/27 28 |
| Legal Subdivision | HALLMARK UNIT NO 5 |
| Legal Block | 5 |
| Legal Lot Number | 14 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 608900 |
31 Waterloo Ct is owner-occupied and held in a trust since April 1994.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LUTHER BURBANK SAVINGS |
| Sep 25, 2018 | Deed of Trust, Mortgage · ARM MUFG UNION BANK NA |
| Sep 25, 2018 | Deed of Trust, Mortgage · Line of Credit UFG MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 10, 1994 |
| Transfer Doc | 0000080257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Document Number | 0000013212 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-013212 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIMA, OH 45801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Document Number | 0000033139 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021-033139 |
| Name | LUTHER BURBANK SAVINGS |
|---|---|
| Type | Bank |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Mar 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000074638 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 2018-074638 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | 09121 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 31 WATERLOO CT, BELMONT, CA 94002-2936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000074639 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 2018-074639 |
| Name | UFG MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 31 Waterloo Ct was $9,742 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Belmont City |
| County | San Mateo County |
| Elementary School District | Belmont-Redwood Shores Elementary School District (KG - 08) |
| Secondary School District | Sequoia Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $729,300 (+2%) Land $261,235 Building $468,065 | ||
| 2025 | $9,742.00 Homeowner's exemption | $715,001 Land $256,113 Building $458,888 | |
| 2023 | $8,823.00 (+1.18%) Homeowner's exemption | $687,239 Land $246,169 Building $441,070 | $2,942,910 |
| 2022 | $8,720.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Waterloo Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 31 Waterloo Ct is moderate, ranking above 47% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MID-PENINSULA WATER DISTRICT serves 31,059 people · EPA ID CA4110001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures