3217 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3217 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,570 sqft · built 1962
Lot Size	0.197 acres (8,596 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,467,000 (Dec 2022)
Tax Bill	$30,747 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-122-140`

Property Details

APN / Parcel Number

Primary APN	`043-122-140`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,570 sqft Living Area
1st Floor Area	1,340 sqft
2nd Floor Area	690 sqft
Family Room	Family Room
Study	Study
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Contemporary
Exterior Material	Shingles
Roof Material	Tar & Gravel
Lot Area	8,596 sqft (0.197 acres)
Lot Dimensions	172 ft deep x 52 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3217 UPPER LOCK AVE
City	BELMONT
State	CA
Zip	94002-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 5 BLOCK 94 BELMONT CO CLUB PROP 8
Legal Subdivision	BELMONT CO CLUB PROP 8
Legal Block	94
Legal Lot Number	5
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5005
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	3217 UPPER LOCK AVE, BELMONT, CA 94002-1349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Prior Sale	Dec 30, 1997 · Amount on Record
Deed Document Number	202283768
Prior Transfer Date	Dec 18, 1997
Prior Transfer Doc	0000171924
Record Updated	Oct 29, 2026

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 5, 2022
Property Address	3217 UPPER LOCK AVE, BELMONT, CA 94002-1349
Document Number	0000083768
Map Reference	MB 14 PG 65-68
Instrument Date	Nov 29, 2022
Instrument	2022-083768
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,713.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3217 UPPER LOCK AVE, BELMONT, CA 94002-1349

Mortgage

Document Number	0000083769
Date	Dec 5, 2022
Instrument	2022-083769

Lender

Name	PROVIDENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jan 1, 2033
Change Frequency	10 Years
Min Rate At Change	5.12%
Max Rate At Change	8.12%
Index	10-Year TN
Margin	2
Max Rate	11.1%

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		$2,617,998 (+2%) Land $1,804,053 Building $813,945
2025	$30,747.00 (+4.7%)	$2,566,666 (+4.04%) Land $1,768,680 Building $797,986
2023	$29,368.00 (+176.14%)	$2,467,000 Land $1,700,000 Building $767,000	$2,150,640
2022	$10,635.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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