3500 Lower Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3500 Lower Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 1959
Lot Size	0.143 acres (6,237 sqft)
Owner	2 Individual Names on File
Last Sale	$742,000 (May 2004)
Tax Bill	$13,666 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-091-090`

Property Details

APN / Parcel Number

Primary APN	`043-091-090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	6,237 sqft (0.143 acres)
Lot Dimensions	118 ft deep x 53 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3500 LOWER LOCK AVE
City	BELMONT
State	CA
Zip	94002-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 15 BLOCK 97 BELMONT CO CLUB PROP 8
Legal Subdivision	BELMONT CO CLUB PROP 8
Legal Block	97
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5003
Census Tract	608800

Owner

3500 Lower Lock Ave is owned by two individuals who bought it in May 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	771 CASTLE HILL RD, REDWOOD CITY, CA 94061-1103
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2004 · Amount on File
Deed Sale	May 4, 2004 · Amount on File
Deed Document Number	200487724
Prior Transfer Date	Aug 21, 2000
Prior Transfer Doc	0000114319
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3500 LOWER LOCK AVE, BELMONT, CA 94002-1309
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	771 CASTLE HILL RD, REDWOOD CITY, CA 94061-1103

Mortgage

Document Number	0000026248
Date	Feb 17, 2021
Instrument	2021-026248

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3500 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000088209
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	771 CASTLE HILL RD REDWOOD CITY CA 940611103, REDWOOD CITY, CA 94061-1103

Mortgage

Document Number	0000088209
Date	Oct 23, 2019
Instrument	88209

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3500 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000009584
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	771 CASTLE HILL RD REDWOOD CITY CA 940611103, REDWOOD CITY, CA 94061-1103

Mortgage

Document Number	0000009584
Date	Feb 12, 2019
Instrument	9584

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3500 Lower Lock Ave was $13,666.

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		$1,076,052 (+2%) Land $538,026 Building $538,026
2025	$13,666.00	$1,054,954 Land $527,477 Building $527,477
2023	$13,019.00 (+0.63%)	$1,013,992 Land $506,996 Building $506,996	$1,633,050
2022	$12,937.00

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

Flood

FEMA maps place 3500 Lower 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 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

Wildfire risk around 3500 Lower 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 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: Etheric Networks, Sonic Telecom, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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