1093 Cepeda Way, Galt, CA 95632 Property Records

Sacramento County property record for 1093 Cepeda Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,005 sqft · built 2020
Lot Size	0.206 acres (8,973 sqft)
Owner	2 Trust Names on File
Last Sale	$506,000 (Aug 2020)
Tax Bill	$7,217 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-0770-037-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0770-037-0000`

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

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,973 sqft (0.206 acres)
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1093 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 237, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RIVER OAKS 3C
Legal Lot Number	237
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	1093 CEPEDA WAY, GALT, CA 95632-3187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit SAFE CU
May 11, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Aug 7, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Deed Book / Page	20200807 / 1131
Last Transfer Date	Apr 16, 2026
Transfer Doc	2026001022
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1093 CEPEDA WAY, GALT, CA 95632-3187
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1093 CEPEDA WAY, GALT, CA 95632-3187

Mortgage

Document Number	0000001888
Date	Apr 1, 2022
Instrument	2022040101888

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 11, 2026
Property Address	1093 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2026001022
Book / Page	20260511 / 1022
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1093 CEPEDA WAY, GALT, CA 95632-3187

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 7, 2020
Property Address	1093 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2008071131
Instrument Date	Jul 31, 2020
Instrument	2008071131
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 27, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$557.00
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	1093 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2008071132
Date	Aug 7, 2020
Instrument	2008071132

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	Aug 6, 2050

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		$558,594 (+2%) Land $99,366 Building $459,228
2025	$7,217.00 (+4.19%) Homeowner's exemption	$547,642 (+4.04%) Land $97,418 Building $450,224
2024	$6,927.00 (+1.9%)
2023	$6,798.00 (+4.07%) Homeowner's exemption	$526,379 Land $93,636 Building $432,743
2022	$6,532.00

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.

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