Sacramento County property record for 645 Waterloo Ct, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,518 sqft · built 2014 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $785,000 (Feb 2024) |
| Tax Bill | $9,316 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Feb 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0660-009-0000 |
| Primary APN | 150-0660-009-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,518 sqft Living Area |
| 1st Floor Area | 2,518 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | H-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 11,151 sqft (0.256 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 645 WATERLOO CT |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-8441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | CHANCELLOR ESTATES UNIT 6, LOT 208 |
| Legal Subdivision | CHANCELLOR ESTATES UNIT 6 |
| Legal Lot Number | 208 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 9408 |
Source: Sacramento County records · APN 150-0660-009-0000
Assessment roll updated July 22, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Date | Document |
|---|---|
| Mar 11, 2026 | Intrafamily Transfer, Transfer |
| Feb 14, 2024 | Grant Deed, Transfer · Conventional Mortgage PATELCO CU |
| Sep 29, 2020 | Quit Claim Deed, Transfer QUICKEN LNS |
| May 10, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 14, 2024 · Amount on Record |
| Deed Sale | Feb 14, 2024 · Amount on Record |
| Prior Sale | May 06, 2015 · Amount on Record |
| Deed Book / Page | 20240214 / 809 |
| Prior Transfer Date | Jul 22, 2008 |
| Prior Transfer Doc | 0000001129 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Mar 11, 2026 |
| Property Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000000958 |
| Map Reference | MB 347 PG 4 |
| Instrument Date | Mar 03, 2026 |
| Instrument | 202603110958 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Feb 14, 2024 |
| Property Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000000809 |
| Map Reference | MB 341 PG 10 |
| Instrument Date | Feb 09, 2024 |
| Instrument | 202402140809 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000000810 |
|---|---|
| Date | Feb 14, 2024 |
| Instrument | 202402140810 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Sep 29, 2020 |
| Property Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 2009290926 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 2009290926 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 WATERLOO CT GALT CA 956328441, GALT, CA 95632-8441 |
| Document Number | 2009290927 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2009290927 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 28, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | May 10, 2017 |
| Property Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 5100000000661 |
| Book / Page | 20170510 / 0661 |
| Map Reference | MB 347 PG 4 |
| Instrument Date | May 01, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 645 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 201705100662 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 20170510/0662 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Municipality | Galt City |
| Elementary School District | Galt Joint Union Elementary School District (KG - 08) |
| Secondary School District | Galt Joint Union High School District (09 - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $536,382 (-33.01%) Land $129,939 Building $406,443 | |
| 2025 | $9,316.00 (+36.46%) Homeowner's exemption | $800,700 (+38.11%) Land $127,500 Building $673,200 |
| 2024 | $6,827.00 (+1.65%) | |
| 2023 | $6,716.00 (+4.08%) | $579,736 Land $98,186 Building $481,550 |
| 2022 | $6,453.00 |
Source: FEMA National Flood Hazard Layer as of September 29, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 6 in force |
| Nearby Flood Claims | 6 (1998–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding Fixed Wireless | 400 / 50 |
| Softcom Internet Communications Fixed Wireless | 400 / 50 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 237 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF GALT serves 26,536 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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