3510 Lower Lock Ave, Belmont, CA 94002 Property Records

San Mateo County property record for 3510 Lower Lock Ave, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,480 sqft · built 1963
Lot Size	0.137 acres (5,949 sqft)
Owner	2 Individual Names on File
Last Sale	$2,210,000 (Jun 2022)
Tax Bill	$28,597 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`043-091-070`

Property Details

APN / Parcel Number

Primary APN	`043-091-070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,480 sqft Living Area
Gross Area	2,960 sqft
1st Floor Area	1,780 sqft
Basement Area	1,180 sqft
Finished Basement	700 sqft
Unfinished Basement	480 sqft
Family Room	Family Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	5,949 sqft (0.137 acres)
View / Lot	Corner
Garage Type	Basement
Garage Area	1,180 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3510 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 13 BLOCK 97 BELMONT CO CLUB PROP 8
Legal Subdivision	BELMONT CO CLUB PROP 8
Legal Block	97
Legal Lot Number	13
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5003
Census Tract	608800

Owner

3510 Lower Lock Ave is owned and occupied by two individuals who bought it in June 2022.

Source: San Mateo County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 28, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST
Jun 28, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Feb 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 25, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Deed Document Number	202250881
Prior Transfer Date	Jun 4, 2022
Prior Transfer Doc	0000050880
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 28, 2022
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000050881
Map Reference	MB 14 PG 65-68
Instrument Date	Jun 23, 2022
Instrument	2022-050881
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,431.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309

Mortgage

Document Number	0000050882
Date	Jun 28, 2022
Instrument	2022-050882

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.75%
Index	Other
Margin	3
Max Rate	8.75%

Mortgage

Document Number	0000050883
Date	Jun 28, 2022
Instrument	2022-050883

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 28, 2022
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000050880
Map Reference	MB 14 PG 65-68
Instrument Date	Jun 4, 2022
Instrument	2022-050880
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 ORANGE AVE # 139, 139, CORONADO, CA 92118-2619

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 26, 2020
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000017605
Instrument Date	Jan 17, 2020
Instrument	17605
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	640 RAMONA ST PALO ALTO CA 943012545, PALO ALTO, CA 94301-2545

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 26, 2020
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000017604
Instrument Date	Jan 17, 2020
Instrument	17604
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	640 RAMONA ST PALO ALTO CA 943012545, PALO ALTO, CA 94301-2545

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 7, 2018
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000070298
Instrument Date	Aug 31, 2018
Instrument	70298
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3510 LOWER LOCK AVE BELMONT CA 940021309, BELMONT, CA 94002-1309

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	May 25, 2018
Property Address	3510 LOWER LOCK AVE, BELMONT, CA 94002-1309
Document Number	0000040866
Instrument Date	May 24, 2018
Instrument	40866
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 LOWER LOCK AVE BELMONT CA 940021309, BELMONT, CA 94002-1309

Tax Assessment & Valuation

The 2025 property tax bill for 3510 Lower Lock Ave was $28,597.

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		$2,413,173 (+2.9%) Land $1,948,377 Building $464,796
2025	$28,597.00	$2,345,269 Land $1,910,174 Building $435,095
2023	$26,769.00 (+623.49%)	$2,254,200 Land $1,836,000 Building $418,200	$1,944,360
2022	$3,700.00

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

Flood

FEMA maps place 3510 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 3510 Lower Lock Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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.

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