40 Rinconada Cir, Belmont, CA 94002 Property Records

San Mateo County property record for 40 Rinconada Cir, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,120 sqft · built 1973
Lot Size	0.047 acres (2,047 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (Jul 2007)
Tax Bill	$14,818 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`043-372-560`

Property Details

APN / Parcel Number

Primary APN	`043-372-560`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	650 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Mediterranean
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	2,047 sqft (0.047 acres)
Lot Dimensions	75 ft deep x 27 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	40 RINCONADA CIR
City	BELMONT
State	CA
Zip	94002-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1000T
Legal Description	LOT 56 BLK 1 THE KNOLLS OF BELMONT RSM 69/8 10
Legal Subdivision	THE KNOLLS OF BELMONT
Legal Block	1
Legal Lot Number	56
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	4
Census Block	4002
Census Tract	608900

Owner

40 Rinconada Cir is owned and occupied by two individuals who bought it in July 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
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
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
May 22, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2007 · Amount on File
Deed Sale	Jul 17, 2007 · Amount on File
Deed Document Number	2007108047
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RINCONADA CIR, BELMONT, CA 94002-2949

Mortgage

Document Number	0000142674
Date	Oct 7, 2021
Instrument	2021-142674

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
Transaction Type	Mortgage
Record Updated	Nov 1, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142675
Date	Oct 7, 2021
Instrument	2021-142675

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038345
Date	May 22, 2019
Instrument	2019-038345

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.05%
Index	1-Year CMT
Max Rate	8.05%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053833
Date	Jun 11, 2020
Instrument	2020-053833

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 RINCONADA CIR, BELMONT, CA 94002-2949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RINCONADA CIR, BELMONT, CA 94002-2949

Mortgage

Document Number	0000094799
Date	Sep 14, 2020
Instrument	2020-094799

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 40 Rinconada Cir was $14,818 with a homeowner's exemption.

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		$1,192,396 (+2%) Land $803,865 Building $388,531
2025	$14,818.00 Homeowner's exemption	$1,169,016 Land $788,103 Building $380,913
2023	$13,923.00 (+3.57%) Homeowner's exemption	$1,123,623 Land $757,500 Building $366,123	$1,997,910
2022	$13,443.00

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

Flood

FEMA maps place 40 Rinconada Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Rinconada Cir 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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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