Sacramento County property record for 12784 Waldo Rd, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,088 sqft · built 1976 |
| Lot Size | 2.08 acres (90,605 sqft) |
| Owner | Company Name on File |
| Last Sale | $255,000 (Dec 1998) |
| Tax Bill | $4,027 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148-1100-010-0000 |
| Primary APN | 148-1100-010-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,088 sqft Living Area |
| 1st Floor Area | 2,088 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 90,605 sqft |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12784 WALDO RD |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-8403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-2 |
| Legal Description | PARCEL MAP EXC 1/3 INT M/R, LOT 3 |
| Legal Subdivision | PARCEL MAP EXC 1/3 INT M/R |
| Legal Lot Number | 3 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1070 |
| Census Tract | 9403 |
12784 Waldo Rd is owned by a company that acquired it in January 2025.
Source: Sacramento County records, as of September 3, 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 | Company Name on File |
|---|---|
| Mailing Address | 12784 WALDO RD, GALT, CA 95632-8403 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 1998 · Amount on File |
| Deed Sale | Dec 31, 1998 · Amount on File |
| Deed Book / Page | 981231 / 1599 |
| Last Transfer Date | Jan 23, 2025 |
| Transfer Doc | 2025000844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 12784 WALDO RD, GALT, CA 95632-8403 |
| Document Number | 2009110828 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12784 WALDO RD GALT CA 956328403, GALT, CA 95632-8403 |
| Document Number | 2009110828 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 2009110828 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 10, 2040 |
The 2025 property tax bill for 12784 Waldo Rd was $4,027, up 4.5% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| 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 | $359,761 (+2%) Land $95,929 Building $263,832 | |
| 2025 | $4,027.00 (+4.46%) | $352,708 Land $94,049 Building $258,659 |
| 2024 | $3,855.00 (+2.69%) | |
| 2023 | $3,754.00 (+4.22%) Homeowner's exemption | $339,014 Land $90,398 Building $248,616 |
| 2022 | $3,602.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12784 Waldo Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1995.
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 |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 12 (1995–2023) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 12784 Waldo Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · lower than 60% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 Fixed Wireless | 25 / 3 |
May also be available: T-Mobile, Verizon.
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