12975 Midway Ave, Galt, CA 95632 Property Records

Sacramento County property record for 12975 Midway Ave, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,381 sqft · built 2015
Lot Size	1.85 acres (80,586 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jun 2018)
Tax Bill	$9,470 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-1060-022-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1060-022-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,381 sqft Living Area
1st Floor Area	2,381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	80,586 sqft
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12975 MIDWAY AVE
City	GALT
State	CA
Zip	95632-8926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	JOHNSON RANCH ESTATES, LOT 22
Legal Subdivision	JOHNSON RANCH ESTATES
Legal Lot Number	22
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1005
Census Tract	9502

Owner

Source: Sacramento County records, 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 Individual Names on Record
Mailing Address	12975 MIDWAY AVE, GALT, CA 95632-8926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 21, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Prior Sale	Jun 4, 2015 · Amount on Record
Deed Book / Page	20180621 / 1047
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	12975 MIDWAY AVE, GALT, CA 95632-8926
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12975 MIDWAY AVE, GALT, CA 95632-8926

Mortgage

Document Number	0000000006
Date	Jul 22, 2025
Instrument	202507220006

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	12975 MIDWAY AVE, GALT, CA 95632-8926
Document Number	1909270428
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12975 MIDWAY AVE GALT CA 956328926, GALT, CA 95632-8926

Mortgage

Document Number	1909270428
Date	Sep 27, 2019
Instrument	1909270428

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 21, 2018
Property Address	12975 MIDWAY AVE, GALT, CA 95632-8926
Document Number	1806211047
Instrument Date	Jun 1, 2018
Instrument	1806211047
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12975 MIDWAY AVE GALT CA 956328926, GALT, CA 95632-8926

Mortgage

Document Number	1806211048
Date	Jun 21, 2018
Instrument	1806211048

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$841,418 (+2%) Land $191,494 Building $649,924
2025	$9,470.00 (+4.47%) Homeowner's exemption	$824,921 (+4.04%) Land $187,740 Building $637,181
2024	$9,065.00 (+2.12%)
2023	$8,877.00 (+4.2%) Homeowner's exemption	$792,890 Land $180,450 Building $612,440
2022	$8,519.00

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

Flood

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 Record median of 14 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
unWired Broadband Fixed Wireless	1,000 / 1,000
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Verizon.

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