876 Cobden Way, Galt, CA 95632 Property Records

Sacramento County property record for 876 Cobden Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,363 sqft · built 1993
Lot Size	0.189 acres (8,221 sqft)
Owner	2 Individual Names on Record
Last Sale	$493,000 (Mar 2026)
Tax Bill	$5,736 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`148-0690-080-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0690-080-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,363 sqft Living Area
1st Floor Area	1,363 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,221 sqft (0.189 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	876 COBDEN WAY
City	GALT
State	CA
Zip	95632-3410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RIVER OAKS 02A, LOT 88
Legal Subdivision	RIVER OAKS 02A
Legal Lot Number	88
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2010
Census Tract	9410

Owner

Source: Sacramento County records, as of September 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	876 COBDEN WAY, GALT, CA 95632-3410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 30, 2026	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Mar 6, 2024	Grant Deed, Transfer · FHA Mortgage MASON MCDUFFIE MORTGAGE CORP
Nov 28, 2023	Affidavit of Death of Joint Tenant, Transfer
Dec 26, 2023	Intrafamily Transfer, Transfer
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Mar 6, 2024 · Amount on Record
Deed Book / Page	20260330 / 1037
Prior Transfer Date	Oct 19, 2023
Prior Transfer Doc	2023000581
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	876 COBDEN WAY, GALT, CA 95632-3410

Mortgage

Document Number	0000001300
Date	May 24, 2021
Instrument	202105241300

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2026
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Document Number	0000001037
Map Reference	MB 218 PG 5
Instrument Date	Mar 26, 2026
Instrument	202603301037
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	876 COBDEN WAY, GALT, CA 95632-3410

Mortgage

Document Number	0000001038
Date	Mar 30, 2026
Instrument	202603301038

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0000001039
Date	Mar 30, 2026
Instrument	202603301039

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 6, 2024
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Document Number	0000000128
Map Reference	MB 218 MAP 5
Instrument Date	Feb 29, 2024
Instrument	202403060128
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	876 COBDEN WAY, GALT, CA 95632-3410

Mortgage

Document Number	0000000129
Date	Mar 6, 2024
Instrument	202403060129

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 28, 2023
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Document Number	0000000944
Map Reference	MB 218 PG 5
Instrument Date	Oct 19, 2023
Instrument	202311280944
Transaction Type	Transfer
Record Updated	Dec 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	876 COBDEN WAY, GALT, CA 95632-3410

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 26, 2023
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Document Number	0000000581
Map Reference	MB 218 PG 5
Instrument Date	Oct 19, 2023
Instrument	202312260581
Transaction Type	Transfer
Record Updated	Jan 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	876 COBDEN WAY, GALT, CA 95632-3410

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	876 COBDEN WAY, GALT, CA 95632-3410
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	876 COBDEN WAY, GALT, CA 95632-3410

Mortgage

Document Number	5240000001300
Date	May 24, 2021
Book Page	20210524/1300

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

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		$493,000 (+0.69%) Land $150,000 Building $343,000
2025	$5,736.00 (+137.52%)	$489,600 (+134.85%) Land $153,000 Building $336,600
2024	$2,415.00 (+1.73%)
2023	$2,374.00 (-2.26%) Homeowner's exemption	$208,476 Land $65,329 Building $143,147
2022	$2,429.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Policies	5 in force

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Softcom Internet Communications Fixed Wireless	400 / 50
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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