12915 Riding Trail Dr, Wilton, CA 95693 Property Records

Sacramento County property record for 12915 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	2.68 acres (116,741 sqft)
Owner	2 Individual Names on File
Last Sale	$1,450,000 (May 2022)
Tax Bill	$16,266 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-0350-060-0000`

Property Details

APN / Parcel Number

Primary APN	`128-0350-060-0000`

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	116,741 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	12915 RIDING TRAIL DR
City	WILTON
State	CA
Zip	95693-9257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-5
Legal Description	CLAY STATION 1200, LOT 164
Legal Subdivision	CLAY STATION 1200
Legal Lot Number	164
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2022
Census Tract	9404

Owner

12915 Riding Trail Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12915 RIDING TRAIL DR, WILTON, CA 95693-9257
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Nov 22, 2010 · Amount on File
Deed Book / Page	20220509 / 647
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 9, 2022
Property Address	12915 RIDING TRAIL DR, WILTON, CA 95693-9257
Document Number	0000000647
Map Reference	MB 311 MAP 11
Instrument Date	Apr 28, 2022
Instrument	2022050900647
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
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	8649 BADER RD, ELK GROVE, CA 95624-9347

Mortgage

Document Number	0000000648
Date	May 9, 2022
Instrument	2022050900648

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 12915 Riding Trail Dr was $16,266, 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		$1,569,525 (+2%) Land $324,729 Building $1,244,796
2025	$16,266.00 (+0.79%)	$1,538,751 Land $318,362 Building $1,220,389
2024	$16,138.00 (+2.9%)
2023	$15,683.00 (+120.86%)	$1,479,000 Land $306,000 Building $1,173,000
2022	$7,101.00

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

Flood

FEMA maps place 12915 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 12915 Riding Trail Dr is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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