3229 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3229 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,860 sqft · built 2001
Lot Size	0.358 acres (15,598 sqft)
Owner	2 Company Names on Record
Last Sale	$1,250,000 (Jun 2002)
Tax Bill	$23,538 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-122-100`

Property Details

APN / Parcel Number

Primary APN	`043-122-100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,860 sqft Living Area
Gross Area	3,460 sqft
1st Floor Area	1,490 sqft
2nd Floor Area	1,370 sqft
Basement Area	600 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	15,598 sqft (0.358 acres)
Garage Type	Basement
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	3229 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	LOTS 32 & 33 BLOCK 94 BELMONT CO CLUB PROP 8
Legal Subdivision	BELMONT CO CLUB PROP 8
Legal Block	94
Legal Lot Number	32,33
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 Company Names on Record
Mailing Address	3229 UPPER LOCK AVE, BELMONT, CA 94002-1349
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jan 31, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2002 · Amount on Record
Deed Sale	Jun 18, 2002 · Amount on Record
Prior Sale	Aug 20, 1998 · Amount on Record
Deed Document Number	2002117307
Last Transfer Date	May 17, 2024
Transfer Doc	0000028415
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3229 UPPER LOCK AVE, BELMONT, CA 94002-1349
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 UPPER LOCK AVE, BELMONT, CA 94002-1349

Mortgage

Document Number	0000131939
Date	Sep 14, 2021
Instrument	2021-131939

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3229 UPPER LOCK AVE, BELMONT, CA 94002-1349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006241
Date	Jan 31, 2018
Instrument	2018-006241

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3229 UPPER LOCK AVE, BELMONT, CA 94002-1349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116212
Date	Dec 27, 2017
Instrument	2017-116212

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

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		$1,883,546 (+2%) Land $941,773 Building $941,773
2025	$23,538.00 (+3.11%) Homeowner's exemption	$1,846,614 (+4.04%) Land $923,307 Building $923,307
2023	$22,828.00 (+4.46%) Homeowner's exemption	$1,774,908 Land $887,454 Building $887,454	$2,538,270
2022	$21,854.00

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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