1073 Cepeda Way, Galt, CA 95632 Property Records

Sacramento County property record for 1073 Cepeda Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,005 sqft · built 2017
Lot Size	0.199 acres (8,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Nov 2017)
Tax Bill	$7,027 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`150-0740-045-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0740-045-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,005 sqft Living Area
1st Floor Area	2,005 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,668 sqft (0.199 acres)
Garage Area	605 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1073 CEPEDA WAY
City	GALT
State	CA
Zip	95632-3187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS 3B, LOT 184, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RIVER OAKS 3B
Legal Lot Number	184
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1019
Census Tract	9409

Owner

Source: Sacramento County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1073 CEPEDA WAY, GALT, CA 95632-3187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG
Jan 6, 2021	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Dec 6, 2019	Deed of Trust, Mortgage · Conventional with PMI FINANCE OF AMERICA MTG
Nov 28, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage EVERGREEN MONEYSOURCE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on Record
Deed Sale	Nov 28, 2017 · Amount on Record
Deed Book / Page	20171128 / 1177
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1073 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2101131675
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1073 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2101131675
Date	Jan 13, 2021
Instrument	2101131675

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1073 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2101131676
Instrument Date	Jan 6, 2021
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1073 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2101131676
Date	Jan 13, 2021
Instrument	2101131676

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1073 CEPEDA WAY, GALT, CA 95632-3187
Document Number	1912111500
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1073 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	1912111500
Date	Dec 11, 2019
Instrument	1912111500

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 28, 2017
Property Address	1073 CEPEDA WAY, GALT, CA 95632-3187
Document Number	1711281177
Instrument Date	Nov 14, 2017
Instrument	1711281177
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1073 CEPEDA WAY GALT CA 95632, GALT, CA 95632

Mortgage

Document Number	1711281178
Date	Nov 28, 2017
Instrument	1711281178

Lender

Name	EVERGREEN MONEYSOURCE MTG
Type	Mortgage Company
Address	BELLEVUE, WA 98006

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Galt City
Elementary School District	Galt Joint Union Elementary School District (KG - 08)
Secondary School District	Galt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$553,230 (+2%) Land $98,648 Building $454,582
2025	$7,027.00 (+4.27%) Homeowner's exemption	$542,383 (+4.04%) Land $96,714 Building $445,669
2024	$6,739.00 (+1.94%)
2023	$6,611.00 (+4.16%) Homeowner's exemption	$521,323 Land $92,959 Building $428,364
2022	$6,347.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% 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	CITY OF GALT serves 26,536 people · EPA ID CA3410011
Water Source	Groundwater
Last State Inspection	Jan 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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Cepeda Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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