3236 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3236 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,100 sqft · built 1964
Lot Size	0.307 acres (13,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,668,000 (Oct 2015)
Tax Bill	$23,957 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`043-203-320`

Property Details

APN / Parcel Number

Primary APN	`043-203-320`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,100 sqft Living Area
1st Floor Area	1,550 sqft
2nd Floor Area	1,550 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	13,362 sqft (0.307 acres)
Lot Dimensions	6,784 ft deep x 6,784 ft wide
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3236 UPPER LOCK AVE
City	BELMONT
State	CA
Zip	94002-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 54 & 55 BLK 119 BELMONT CO CLUB PROP 10 RSM 15/29 38
Legal Subdivision	BELMONT CO CLUB PROP 10
Legal Block	119
Legal Lot Number	54,55
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	3236 UPPER LOCK AVE, BELMONT, CA 94002-1317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2015 · Amount on Record
Deed Sale	Oct 5, 2015 · Amount on Record
Prior Sale	May 15, 2001 · Amount on Record
Deed Document Number	2015105591
Prior Transfer Date	Aug 19, 2009
Prior Transfer Doc	0000114219
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3236 UPPER LOCK AVE, BELMONT, CA 94002-1317
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number	0000163492
Date	Nov 29, 2021
Instrument	2021-163492

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	7%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3236 UPPER LOCK AVE, BELMONT, CA 94002-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008888
Date	Feb 8, 2018
Instrument	2018-008888

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$2,014,057 (+2%) Land $1,410,324 Building $603,733
2025	$23,957.00 (+6.87%)	$1,974,567 (+4.04%) Land $1,382,671 Building $591,896
2023	$22,418.00 (+2.11%)	$1,897,894 Land $1,328,981 Building $568,913	$2,475,990
2022	$21,955.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% 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 491 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
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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