1. Home
  2. California
  3. San Mateo County
  4. Belmont
  5. Upper Lock Ave

3242 Upper Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3242 Upper Lock Ave, Belmont, CA 94002

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,390 sqft · built 1961
Lot Size0.211 acres (9,182 sqft)
Owner2 Trust Names on File
Tax Bill$8,292 (2025)
Deeds & MortgagesDec 2025 Reverse Mortgage
Oct 2017 Transfer
Flood ZoneZone X (minimal risk)
APN043-203-290

Property Details

APN / Parcel Number

Primary APN043-203-290

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,390 sqft Living Area
Gross Area2,870 sqft
1st Floor Area1,590 sqft
Basement Area1,280 sqft
Finished Basement800 sqft
Unfinished Basement480 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRanch
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialTar & Gravel
Lot Area9,182 sqft (0.211 acres)
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address3242 UPPER LOCK AVE
CityBELMONT
StateCA
Zip94002-1317
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1000B
Legal DescriptionLOTS 56 & 57 BLOCK 119 BELMONT CO CLUB PROP 10
Legal SubdivisionBELMONT CO CLUB PROP 10
Legal Block119
Legal Lot Number56,57
JurisdictionSAN MATEO CA
Township / Civil DivisionSAN MATEO
Census Block Group5
Census Block5017
Census Tract608800

Owner

3242 Upper Lock Ave is owner-occupied and held in a trust since August 2017.

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

Owner of Record2 Trust Names on File
Mailing Address3242 UPPER LOCK AVE, BELMONT, CA 94002-1317
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 3, 2025Deed of Trust, Mortgage · Reverse Mortgage
ENNKAR INC
Oct 3, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 24, 2017
Transfer Doc0000087259
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN MATEO CA
Property Address3242 UPPER LOCK AVE, BELMONT, CA 94002-1317
Transaction TypeMortgage
Record UpdatedDec 31, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3242 UPPER LOCK AVE, BELMONT, CA 94002-1317

Mortgage

Document Number0000065957
DateDec 3, 2025
Instrument2025-065957
Lender
NameENNKAR INC
TypeMortgage Company
AddressORANGE, CA 92868
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term628 Months
DueApr 27, 2078
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateJan 1, 2026
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate10.6%

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN MATEO CA
Recording DateOct 3, 2017
Property Address3242 UPPER LOCK AVE, BELMONT, CA 94002-1317
Document Number0000087259
Instrument DateAug 24, 2017
Instrument87259
Transaction TypeTransfer
Record UpdatedOct 26, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3242 UPPER LOCK AVE BELMONT CA 940021317, BELMONT, CA 94002-1317

Tax Assessment & Valuation

The 2025 property tax bill for 3242 Upper Lock Ave was $8,292 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateCalifornia
MunicipalityBelmont City
CountySan Mateo County
Elementary School DistrictBelmont-Redwood Shores Elementary School District (KG - 08)
Secondary School DistrictSequoia Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$498,504 (+2%) Land $226,105 Building $272,399
2025$8,292.00 Homeowner's exemption$488,730 Land $221,672 Building $267,058
2023$6,776.00 (+2.2%) Homeowner's exemption$469,754 Land $213,065 Building $256,689$2,048,490
2022$6,630.00

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

Flood

FEMA maps place 3242 Upper Lock Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1980)
Most Recent ClaimJan 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

Wildfire risk around 3242 Upper Lock Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemMID-PENINSULA WATER DISTRICT
serves 31,059 people · EPA ID CA4110001
Water SourcePurchased surface water from several systems
Last State InspectionFeb 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

Nearby Properties on Upper Lock Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures