1097 Cepeda Way, Galt, CA 95632 Property Records

Sacramento County property record for 1097 Cepeda Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,766 sqft · built 2020
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Apr 2022)
Tax Bill	$10,762 (2025)
Deeds & Mortgages	Oct 2022 Transfer Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`150-0770-038-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0770-038-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,766 sqft Living Area
1st Floor Area	2,766 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	9,017 sqft (0.207 acres)
Garage Area	752 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1097 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 238, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RIVER OAKS 3C
Legal Lot Number	238
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	1097 CEPEDA WAY, GALT, CA 95632-3187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Intrafamily Transfer, Transfer
Apr 29, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC
Apr 29, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 18, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Book / Page	20220429 / 658
Last Transfer Date	Oct 6, 2022
Transfer Doc	2022000600
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 11, 2022
Property Address	1097 CEPEDA WAY, GALT, CA 95632-3187
Document Number	0000000600
Map Reference	MB 407 PG 7
Instrument Date	Oct 6, 2022
Instrument	2022101100600
Transaction Type	Transfer
Record Updated	Oct 21, 2022

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	Joint Tenants
Address	1097 CEPEDA WAY, GALT, CA 95632-3187

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 29, 2022
Property Address	1097 CEPEDA WAY, GALT, CA 95632-3187
Document Number	0000000659
Map Reference	MB 407 PG 7
Instrument Date	Apr 26, 2022
Instrument	2022042900659
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

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
Address	1097 CEPEDA WAY, GALT, CA 95632-3187

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 29, 2022
Property Address	1097 CEPEDA WAY, GALT, CA 95632-3187
Document Number	0000000658
Map Reference	MB 407 PG 7
Instrument Date	Mar 30, 2022
Instrument	2022042900658
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1097 CEPEDA WAY, GALT, CA 95632-3187

Mortgage

Document Number	0000000660
Date	Apr 29, 2022
Instrument	2022042900660

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 18, 2020
Property Address	1097 CEPEDA WAY, GALT, CA 95632-3187
Document Number	2009181659
Instrument Date	Sep 16, 2020
Instrument	2009181659
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 5, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.00
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	1097 CEPEDA WAY GALT CA 956323187, GALT, CA 95632-3187

Mortgage

Document Number	2009181660
Date	Sep 18, 2020
Instrument	2009181660

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 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		$865,945 (+2%) Land $135,304 Building $730,641
2025	$10,762.00 (+4.27%)	$848,966 (+4.04%) Land $132,651 Building $716,315
2024	$10,321.00 (+1.82%)
2023	$10,137.00 (+34.55%)	$816,000 Land $127,500 Building $688,500
2022	$7,534.00

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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