Sacramento County property record for 1089 Cepeda Way, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,534 sqft · built 2020 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $527,500 (Aug 2020) |
| Tax Bill | $7,940 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0770-036-0000 |
| Primary APN | 150-0770-036-0000 |
|---|
| 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 |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 8,973 sqft (0.206 acres) |
| Garage Area | 681 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1089 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 236, UNIT:: 0, BLOCK:: 0, BLDG:: 0 |
| Legal Subdivision | RIVER OAKS 3C |
| Legal Lot Number | 236 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 9409 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1089 CEPEDA WAY, GALT, CA 95632-3187 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2020 · Amount on Record |
| Deed Sale | Aug 14, 2020 · Amount on Record |
| Deed Book / Page | 20200814 / 1302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Aug 14, 2020 |
| Property Address | 1089 CEPEDA WAY, GALT, CA 95632-3187 |
| Document Number | 2008141302 |
| Instrument Date | Aug 6, 2020 |
| Instrument | 2008141302 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE/SACRAMENTO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1089 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187 |
| Document Number | 2008141303 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 2008141303 |
| Name | HOMEOWNERS FIN'L GRP USA |
|---|---|
| Type | Funding / Finance Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2050 |
Source: Sacramento County assessment roll, as of July 22, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $615,522 (+2%) Land $99,366 Building $516,156 | |
| 2025 | $7,940.00 (+4.2%) | $603,454 (+4.04%) Land $97,418 Building $506,036 |
| 2024 | $7,620.00 (+1.86%) | |
| 2023 | $7,481.00 (+4.06%) | $580,023 Land $93,636 Building $486,387 |
| 2022 | $7,189.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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