1077 Cepeda Way, Galt, CA 95632 Property Records

Sacramento County property record for 1077 Cepeda Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,534 sqft · built 2020
Lot Size	0.213 acres (9,278 sqft)
Owner	Trust Name on File
Last Sale	$556,000 (Nov 2020)
Tax Bill	$7,835 (2025)
Deeds & Mortgages	Jun 2023 Transfer Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0770-033-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0770-033-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,534 sqft Living Area
1st Floor Area	2,534 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	9,278 sqft (0.213 acres)
Garage Area	681 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1077 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 3C, LOT 233, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RIVER OAKS 3C
Legal Lot Number	233
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1019
Census Tract	9409

Owner

1077 Cepeda Way is owner-occupied and held in a trust since June 2023.

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

Owner of Record	Trust Name on File
Mailing Address	1077 CEPEDA WAY, GALT, CA 95632-3187
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jun 16, 2023	Intrafamily Transfer, Transfer
Nov 10, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Deed Book / Page	20201110 / 1935
Last Transfer Date	Jun 7, 2023
Transfer Doc	2023001024
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 16, 2023
Property Address	1077 CEPEDA WAY, GALT, CA 95632-3187
Document Number	0000001024
Map Reference	MB 417 PG 7
Instrument Date	Jun 7, 2023
Instrument	202306161024
Transaction Type	Transfer
Record Updated	Jun 30, 2023

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
Relationship	Family Trust
Address	1077 CEPEDA WAY, GALT, CA 95632-3187

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 10, 2020
Property Address	1077 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2011101935
Instrument Date	Nov 1, 2020
Instrument	2011101935
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 24, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1077 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2011101936
Date	Nov 10, 2020
Instrument	2011101936

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1077 Cepeda Way was $7,835 with a homeowner's exemption, up 4.2% from the year before.

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		$613,390 (+2%) Land $99,366 Building $514,024
2025	$7,835.00 (+4.22%) Homeowner's exemption	$601,364 Land $97,418 Building $503,946
2024	$7,518.00 (+1.88%)
2023	$7,379.00 (+4.08%) Homeowner's exemption	$578,014 (+2%) Land $93,636 Building $484,378
2022	$7,090.00 Homeowner's exemption	$566,681 Land $91,800 Building $474,881

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

Flood

FEMA maps place 1077 Cepeda Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1077 Cepeda Way 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 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.

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