406 Middle Rd, Belmont, CA 94002 Property Records

San Mateo County property record for 406 Middle Rd, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,000 sqft · built 1959
Lot Size	0.439 acres (19,135 sqft)
Owner	2 Trust Names on File
Last Sale	$3,005,000 (Oct 2023)
Tax Bill	$37,122 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-191-030`

Property Details

APN / Parcel Number

Primary APN	`044-191-030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,000 sqft Living Area
1st Floor Area	2,000 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	19,135 sqft (0.439 acres)
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 MIDDLE RD
City	BELMONT
State	CA
Zip	94002-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10010
Legal Description	ON MIDDLE RD LYING WLY & ADJ TO VOELKER TERR PTNOF LOT 17 MAP OF MEZES RANCH RSM A/77 CITY OF BELMONT
Legal Subdivision	VOELKER TERR
Legal Lot Number	17
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2009
Census Tract	608700

Owner

406 Middle Rd is held in a trust since October 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	406 MIDDLE RD, BELMONT, CA 94002-2129
Owner Type	Company
Vesting	Trust

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 30, 2023	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage FREEMODEL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Deed Document Number	202355925
Prior Transfer Date	Mar 3, 2003
Prior Transfer Doc	0000061763
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 30, 2023
Property Address	406 MIDDLE RD, BELMONT, CA 94002-2129
Document Number	0000055925
Map Reference	MB 1 PG 75
Instrument Date	Oct 25, 2023
Instrument	2023-055925
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,305.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	406 MIDDLE RD, BELMONT, CA 94002-2129

Mortgage

Document Number	0000055926
Date	Oct 30, 2023
Instrument	2023-055926

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Max Rate	11.2%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	406 MIDDLE RD, BELMONT, CA 94002-2129
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039472
Date	Aug 16, 2023
Instrument	2023-039472

Lender

Name	FREEMODEL INC
Type	Non-Lending Institution
Address	BURLINGAME, CA 94010

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 406 Middle Rd was $37,122.

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		$3,212,402 (+4.81%) Land $2,080,800 Building $1,131,602
2025	$37,122.00	$3,065,100 Land $2,040,000 Building $1,025,100
2023	$3,793.00 (-0.29%) Homeowner's exemption	$192,008 Land $47,096 Building $144,912	$2,616,210
2022	$3,804.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 406 Middle Rd in Zone X, an area of minimal flood risk.

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 Policies	3 in force

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 406 Middle Rd is low, with less than a 0.01% 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	Under 0.01% 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 642 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Sonic Telecom.

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