12840 Riding Trail Dr, Wilton, CA 95693 Property Records

Sacramento County property record for 12840 Riding Trail Dr, Wilton, CA 95693

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,400 sqft · built 2005
Lot Size	2.46 acres (107,158 sqft)
Owner	Trust Name on File
Last Sale	$741,500 (Mar 2017)
Tax Bill	$9,385 (2025)
Deeds & Mortgages	Dec 2022 Transfer Oct 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`128-0350-100-0000`

Property Details

APN / Parcel Number

Primary APN	`128-0350-100-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,400 sqft Living Area
1st Floor Area	4,400 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	H-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	107,158 sqft
Garage Area	711 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12840 RIDING TRAIL DR
City	WILTON
State	CA
Zip	95693-9253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-5
Legal Description	CLAY STATION 1200, LOT 142
Legal Subdivision	CLAY STATION 1200
Legal Lot Number	142
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2023
Census Tract	9404

Owner

12840 Riding Trail Dr is owner-occupied and held in a trust since December 2022.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Intrafamily Transfer, Transfer
Oct 17, 2022	Intrafamily Transfer, Transfer
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Nov 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Mar 30, 2017	Grant Deed, Transfer SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Prior Sale	Sep 3, 2015 · Amount on File
Deed Book / Page	20170330 / 958
Last Transfer Date	Dec 15, 2022
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 23, 2022
Property Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Document Number	0000000978
Map Reference	MB 311 MAP 11
Instrument Date	Dec 15, 2022
Instrument	2022122300978
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 17, 2022
Property Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Document Number	0000000712
Map Reference	MB 311 MAP 11
Instrument Date	Sep 29, 2022
Instrument	2022101700712
Transaction Type	Transfer
Record Updated	Nov 3, 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
Address	12480 RIDING TRAIL DRIVE, WILTON, CA 95693

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Document Number	2001230950
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12840 RIDING TRAIL DR WILTON CA 956939253, WILTON, CA 95693-9253

Mortgage

Document Number	2001230950
Date	Jan 23, 2020
Instrument	2001230950

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2050

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Document Number	1812100587
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12840 RIDING TRAIL DR WILTON CA 956939253, WILTON, CA 95693-9253

Mortgage

Document Number	1812100587
Date	Dec 10, 2018
Instrument	1812100587

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2017
Property Address	12840 RIDING TRAIL DR, WILTON, CA 95693-9253
Document Number	0000000958
Book / Page	170330 / 000958
Instrument Date	Mar 17, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$816.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12840 RIDING TRAIL DR WILTON CA 956939253, WILTON, CA 95693-9253

Tax Assessment & Valuation

The 2025 property tax bill for 12840 Riding Trail Dr was $9,385 with a homeowner's exemption, up 0.8% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$905,512 (+2%) Land $266,350 Building $639,162
2025	$9,385.00 (+0.81%) Homeowner's exemption	$887,758 Land $261,128 Building $626,630
2024	$9,310.00 (+3.07%)
2023	$9,033.00 (+1.8%) Homeowner's exemption	$853,288 Land $250,989 Building $602,299
2022	$8,873.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12840 Riding Trail Dr in Zone X, an area of minimal flood risk, though there have been 10 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 10 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	10 (1995–2023)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 4 claims

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

Wildfire risk around 12840 Riding Trail Dr is high, ranking above 77% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 77% of the US · above 53% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Zeta Broadband Fixed Wireless	400 / 50
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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