Sacramento County property record for 653 Waterloo Ct, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,256 sqft · built 2015 |
| Lot Size | 0.283 acres (12,327 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,004 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0660-011-0000 |
| Primary APN | 150-0660-011-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| 2nd Floor Area | 1,128 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | H-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 12,327 sqft (0.283 acres) |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 653 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 210 |
| Legal Subdivision | CHANCELLOR ESTATES UNIT 6 |
| Legal Lot Number | 210 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 9408 |
Source: Sacramento County records · APN 150-0660-011-0000
Assessment roll updated July 22, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Oct 06, 2021 | Intrafamily Transfer, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Aug 25, 2021 | Intrafamily Transfer, Transfer |
| Aug 22, 2019 | Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MTG |
| Nov 14, 2018 | Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 06, 2021 |
| Deed Sale | Oct 06, 2021 |
| Prior Sale | Apr 17, 2015 · Amount on Record |
| Deed Document Number | 20211179 |
| Deed Book / Page | 20211006 / 1179 |
| Prior Transfer Date | Oct 01, 2021 |
| Prior Transfer Doc | 0000001179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000000112 |
|---|---|
| Date | Jan 10, 2024 |
| Instrument | 202401100112 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Oct 06, 2021 |
| Property Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000001179 |
| Map Reference | MB 347 PG 4 |
| Instrument Date | Oct 01, 2021 |
| Instrument | 2021100601179 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000001180 |
|---|---|
| Date | Oct 06, 2021 |
| Instrument | 2021100601180 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Aug 25, 2021 |
| Property Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 0000001346 |
| Map Reference | MB 347 PG 4 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021082501346 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 1908270790 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 653 WATERLOO CT GALT CA 956328441, GALT, CA 95632-8441 |
| Document Number | 1908270790 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 1908270790 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 653 WATERLOO CT, GALT, CA 95632-8441 |
| Document Number | 1811190784 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 653 WATERLOO CT GALT CA 956328441, GALT, CA 95632-8441 |
| Document Number | 1811190784 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 1811190784 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2048 |
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified August 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 | $517,169 (+2%) Land $104,194 Building $412,975 | |
| 2025 | $4,004.00 (+3.62%) | $507,029 (+5.61%) Land $102,151 Building $404,878 |
| 2024 | $3,864.00 (+2.2%) | |
| 2023 | $3,781.00 (+3.5%) | $480,118 Land $98,186 Building $381,932 |
| 2022 | $3,653.00 |
Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), as of September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670094081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system CA3410011, 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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