Sacramento County property record for 1102 Cepeda Way, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,005 sqft · built 2020 |
| Lot Size | 0.192 acres (8,363 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $494,000 (Jun 2020) |
| Tax Bill | $7,213 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0770-027-0000 |
| Primary APN | 150-0770-027-0000 |
|---|
| 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 |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 8,363 sqft (0.192 acres) |
| Garage Area | 661 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1102 CEPEDA WAY |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-3189 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | RIVER OAKS 3C, LOT 227, UNIT:: 0, BLOCK:: 0, BLDG:: 0 |
| Legal Subdivision | RIVER OAKS 3C |
| Legal Lot Number | 227 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 9409 |
Source: Sacramento County assessment roll, 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 Company Names on File |
|---|---|
| Mailing Address | 1102 CEPEDA WAY, GALT, CA 95632-3189 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK OF CENTRAL CA |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Jun 24, 2020 | Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on Record |
| Deed Sale | Jun 24, 2020 · Amount on Record |
| Deed Book / Page | 20200624 / 827 |
| Last Transfer Date | Aug 8, 2025 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 1102 CEPEDA WAY, GALT, CA 95632-3189 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000559 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 2022090100559 |
| Name | FARMERS & MERCHANTS BANK OF CENTRAL CA |
|---|---|
| Type | Bank |
| Address | LODI, CA 95241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 1102 CEPEDA WAY, GALT, CA 95632-3189 |
| Document Number | 2012141612 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1102 CEPEDA WAY GALT CA 956323189, GALT, CA 95632-3189 |
| Document Number | 2012141612 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2012141612 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jun 24, 2020 |
| Property Address | 1102 CEPEDA WAY, GALT, CA 95632-3189 |
| Document Number | 2006240827 |
| Instrument Date | Jun 2, 2020 |
| Instrument | 2006240827 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 9, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE/SACRAMENTO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $543.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1102 CEEDA WAY GALT CA 95632, GALT, CA 95632 |
| Document Number | 2006240828 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 2006240828 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 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 | $551,060 (+2%) Land $100,394 Building $450,666 | |
| 2025 | $7,213.00 (+4.17%) | $540,256 (+4.04%) Land $98,426 Building $441,830 |
| 2024 | $6,924.00 (+1.87%) | |
| 2023 | $6,797.00 (+4.06%) | $519,279 Land $94,605 Building $424,674 |
| 2022 | $6,532.00 |
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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding 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 | 100 / 20 |
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