649 Waterloo Ct, Galt, CA 95632 Property Records

Sacramento County property record for 649 Waterloo Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,518 sqft · built 2015
Lot Size	0.251 acres (10,929 sqft)
Owner	Company Name on Record
Last Sale	$490,500 (May 2015)
Tax Bill	$7,636 (2025)
Deeds & Mortgages	Nov 2020 Transfer Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0660-010-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0660-010-0000`

Interior

Bedrooms	4 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

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,929 sqft (0.251 acres)
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	649 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 209
Legal Subdivision	CHANCELLOR ESTATES UNIT 6
Legal Lot Number	209
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1015
Census Tract	9408

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	Company Name on Record
Mailing Address	649 WATERLOO CT, GALT, CA 95632-8441
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage NBKC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2015 · Amount on Record
Deed Sale	May 26, 2015 · Amount on Record
Prior Sale	Dec 30, 2009 · Amount on Record
Deed Book / Page	20150526 / 1346
Last Transfer Date	Nov 11, 2020
Transfer Doc	11190000001225
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 19, 2020
Property Address	649 WATERLOO CT, GALT, CA 95632-8441
Document Number	2011191225
Instrument Date	Nov 11, 2020
Instrument	2011191225
Transaction Type	Transfer
Record Updated	Dec 3, 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	Personal Trust
Address	649 WATERLOO CT GALT CA 956328441, GALT, CA 95632-8441

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	649 WATERLOO CT, GALT, CA 95632-8441
Document Number	2009230522
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 WATERLOO CT GALT CA 956328441, GALT, CA 95632-8441

Mortgage

Document Number	2009230522
Date	Sep 23, 2020
Instrument	2009230522

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$667,729 (+2%) Land $104,194 Building $563,535
2025	$7,636.00 (+4.39%) Homeowner's exemption	$654,637 (+4.04%) Land $102,151 Building $552,486
2024	$7,315.00 (+1.68%)
2023	$7,194.00 (+4.11%) Homeowner's exemption	$629,219 Land $98,186 Building $531,033
2022	$6,910.00

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
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	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 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

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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GALT serves 26,536 people · EPA ID CA3410011
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
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 DSL	100 / 20

May also be available: T-Mobile.

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