12857 Cherokee Ln, Galt, CA 95632 Property Records

Sacramento County property record for 12857 Cherokee Ln, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,571 sqft · built 1982
Lot Size	5.08 acres (221,720 sqft)
Owner	Individual Name on File
Last Sale	$665,000 (Jul 2020)
Tax Bill	$7,806 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`152-0140-021-0000`

Property Details

APN / Parcel Number

Primary APN	`152-0140-021-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,571 sqft Living Area
1st Floor Area	2,571 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	221,720 sqft
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12857 CHEROKEE LN
City	GALT
State	CA
Zip	95632-8535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-5
Legal Description	TWIN CITIES COLONY 03, LOT 3
Legal Subdivision	TWIN CITIES COLONY 03
Legal Lot Number	3
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1000
Census Tract	9409

Owner

12857 Cherokee Ln is owned by an individual who bought it in July 2020.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	1360 MISSION ST, 300, SAN FRANCISCO, CA 94103-2646
Owner Type	Individual

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
Jul 17, 2020	Grant Deed, Transfer · Conventional Mortgage CLEARINGHOUSE CMNTY DEV FIN'L
Apr 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 20, 2018	Deed of Trust, Mortgage QUICKEN LNS
May 25, 2018	Grant Deed, Transfer · Conventional with PMI FINANCE OF AMERICA MTG
May 25, 2018	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Book / Page	20200717 / 1664
Prior Transfer Date	Mar 30, 2020
Prior Transfer Doc	4220000000895
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 17, 2020
Property Address	12857 CHEROKEE LN, GALT, CA 95632-8535
Document Number	2007171664
Instrument Date	Jul 8, 2020
Instrument	2007171664
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1360 MISSION ST #300 SAN FRANCISCO CA 941032646, 300, SAN FRANCISCO, CA 94103-2646
Investor	Possibly a Property Investor

Mortgage

Document Number	2007171665
Date	Jul 17, 2020
Instrument	2007171665

Lender

Name	CLEARINGHOUSE CMNTY DEV FIN'L
Type	Funding / Finance Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 22, 2020
Property Address	12857 CHEROKEE LN, GALT, CA 95632-8535
Document Number	2004220896
Instrument Date	Mar 30, 2020
Instrument	2004220896
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12857 CHEROKEE LN GALT CA 956328535, GALT, CA 95632-8535

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	12857 CHEROKEE LN, GALT, CA 95632-8535
Document Number	1812270628
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12857 CHEROKEE LN GALT CA 956328535, GALT, CA 95632-8535

Mortgage

Document Number	1812270628
Date	Dec 27, 2018
Instrument	1812270628

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 25, 2018
Property Address	12857 CHEROKEE LN, GALT, CA 95632-8535
Document Number	1805250941
Instrument Date	May 21, 2018
Instrument	1805250941
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$646.25
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	12857 CHEROKEE LN GALT CA 956328535, GALT, CA 95632-8535

Mortgage

Document Number	1805250942
Date	May 25, 2018
Instrument	1805250942

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 24, 2048

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	May 25, 2018
Property Address	12857 CHEROKEE LN, GALT, CA 95632-8535
Document Number	1805250940
Instrument Date	May 16, 2018
Instrument	1805250940
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	457 GILDA AVE MARTINEZ CA 945534207, MARTINEZ, CA 94553-4207

Tax Assessment & Valuation

The 2025 property tax bill for 12857 Cherokee Ln was $7,806, up 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Elementary School District	Arcohe 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		$734,208 (+2%) Land $287,075 Building $447,133
2025	$7,806.00 (+1.95%)	$719,813 Land $281,447 Building $438,366
2024	$7,657.00 (+1.9%)
2023	$7,514.00 (+4.64%)	$691,864 Land $270,519 Building $421,345
2022	$7,181.00

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

Flood

FEMA maps place 12857 Cherokee Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12857 Cherokee Ln is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% 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 17 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 · DSL in parts of the area	100 / 20

May also be available: Verizon.

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