3208 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3208 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,210 sqft · built 1965
Lot Size	0.132 acres (5,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Mar 2026)
Tax Bill	$26,133 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-211-160`

Property Details

APN / Parcel Number

Primary APN	`043-211-160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,210 sqft Living Area
1st Floor Area	1,400 sqft
2nd Floor Area	810 sqft
Family Room	Family Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	5,764 sqft (0.132 acres)
Lot Dimensions	120 ft deep x 48 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3208 UPPER LOCK AVE
City	BELMONT
State	CA
Zip	94002-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1000B
Legal Description	LOT 40 BLOCK 119 BELMONT CO CLUB SUB NO 10 RSM 15/29 TO 38 CITY OF BELMONT
Legal Subdivision	BELMONT CO CLUB SUB
Legal Block	119
Legal Lot Number	40
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5017
Census Tract	608800

Owner

Source: San Mateo County records, as of July 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3208 UPPER LOCK AVE, BELMONT, CA 94002-1317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Deed Document Number	202614816
Prior Transfer Date	Jun 13, 2024
Prior Transfer Doc	0000031803
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 24, 2026
Property Address	3208 UPPER LOCK AVE, BELMONT, CA 94002-1317
Document Number	0000014816
Map Reference	MB 15 PG 29-38
Instrument Date	Mar 19, 2026
Instrument	2026-014816
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3208 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000014817
Date	Mar 24, 2026
Instrument	2026-014817

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	10%

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,924,740 (-12.23%) Land $1,820,700 Building $104,040
2025	$26,133.00 (+910.17%)	$2,193,000 (+1,499.59%) Land $1,887,000 Building $306,000
2024	$2,587.00 (+3.81%)
2023	$2,492.00 (+2.42%) Homeowner's exemption	$137,098 Land $25,895 Building $111,203	$2,061,180
2022	$2,433.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jan 1980 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Etheric Networks, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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