1081 Cepeda Way, Galt, CA 95632 Property Records

Sacramento County property record for 1081 Cepeda Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,698 sqft · built 2020
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Individual Names on File
Last Sale	$553,500 (Aug 2020)
Tax Bill	$7,952 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-0770-034-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0770-034-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,698 sqft Living Area
1st Floor Area	2,698 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,930 sqft (0.205 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1081 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 234, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RIVER OAKS 3C
Legal Lot Number	234
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1019
Census Tract	9409

Owner

1081 Cepeda Way is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1081 CEPEDA WAY, GALT, CA 95632-3187
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
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE LENDING
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE LENDING
Aug 21, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Deed Book / Page	20200821 / 1621
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1081 CEPEDA WAY, GALT, CA 95632-3187
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 CEPEDA WAY, GALT, CA 95632-3187

Mortgage

Document Number	0000001108
Date	Nov 17, 2021
Instrument	2021111701108

Lender

Name	UNITED WHOLESALE LENDING
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95814

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1081 CEPEDA WAY, GALT, CA 95632-3187
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 CEPEDA WAY, GALT, CA 95632-3187

Mortgage

Document Number	2021111701108
Date	Nov 17, 2021
Instrument	2021111701108

Lender

Name	UNITED WHOLESALE LENDING
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95814

Agreement

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

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 21, 2020
Property Address	1081 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2008211621
Instrument Date	Aug 17, 2020
Instrument	2008211621
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 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	$609.00
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	1081 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2008211622
Date	Aug 21, 2020
Instrument	2008211622

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1081 Cepeda Way was $7,952, 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		$616,626 (+2%) Land $99,366 Building $517,260
2025	$7,952.00 (+4.19%)	$604,536 Land $97,418 Building $507,118
2024	$7,632.00 (+1.86%)
2023	$7,493.00 (+4.07%)	$581,063 Land $93,636 Building $487,427
2022	$7,200.00

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

Flood

FEMA maps place 1081 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 1081 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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