3218 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3218 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,360 sqft · built 1976
Lot Size	0.169 acres (7,344 sqft)
Owner	2 Individual Names on File
Last Sale	$2,425,000 (Jun 2023)
Tax Bill	$29,994 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`043-211-250`

Property Details

APN / Parcel Number

Primary APN	`043-211-250`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,360 sqft Living Area
Gross Area	3,010 sqft
1st Floor Area	1,340 sqft
2nd Floor Area	1,020 sqft
Basement Area	650 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	7,344 sqft (0.169 acres)
Lot Dimensions	125 ft deep x 58 ft wide
Garage Type	Basement
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3218 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 45 BLK 119 BELMONT COUNTRY CLUB PROPERTIES SUB NO 10 RSM 15/29
Legal Subdivision	BELMONT COUNTRY CLUB PROP
Legal Block	119
Legal Lot Number	45
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5017
Census Tract	608800

Owner

Source: San Mateo County assessment roll, 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 File
Mailing Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Dec 18, 2017	Grant Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Dec 18, 2017 · Amount on Record
Deed Document Number	202331351
Prior Transfer Date	Jan 8, 2002
Prior Transfer Doc	0000013882
Record Updated	Sep 20, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 30, 2023
Property Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317
Document Number	0000031351
Map Reference	MB 15 PG 29-38
Instrument Date	Jun 20, 2023
Instrument	2023-031351
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,667.50
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	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000031352
Date	Jun 30, 2023
Instrument	2023-031352

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Margin	3
Max Rate	11%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000131013
Date	Nov 19, 2020
Instrument	2020-131013

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 13, 2030

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000120527
Date	Oct 30, 2020
Instrument	2020-120527

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 18, 2017
Property Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317
Document Number	0000113420
Map Reference	MB15 PG29-38
Instrument Date	Dec 13, 2017
Instrument	2017-113420
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3218 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000113421
Date	Dec 18, 2017
Instrument	2017-113421

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$2,573,429 (+2%) Land $1,485,691 Building $1,087,738
2025	$29,994.00 (+22.56%) Homeowner's exemption	$2,522,970 (+22.71%) Land $1,456,560 Building $1,066,410
2023	$24,472.00 (+5.82%)	$2,056,052 Land $1,509,230 Building $546,822	$2,114,010
2022	$23,127.00

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

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 Communications, LLC., T-Mobile USA, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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