898 Cedar Canyon Cir, Galt, CA 95632 Property Records

Sacramento County property record for 898 Cedar Canyon Cir, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,864 sqft · built 1995
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Sep 2025)
Tax Bill	$5,272 (2025)
Deeds & Mortgages	Jul 2025 Second Mortgage Sep 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`148-0550-029-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0550-029-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
1st Floor Area	1,864 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	5,663 sqft (0.13 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	898 CEDAR CANYON CIR
City	GALT
State	CA
Zip	95632-8122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE CANYON ESTATES, LOT 29
Legal Subdivision	LAKE CANYON ESTATES
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2003
Census Tract	9410

Owner

898 Cedar Canyon Cir is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMELIGHT HOME LOANS INC
Sep 19, 2025	Grant Deed, Transfer · FHA Mortgage OCMBC INC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional with PMI PROVIDENT FNDG
Mar 12, 2020	Deed of Trust, Mortgage · Conventional with PMI PROVIDENT FNDG
Sep 12, 2019	Deed of Trust, Mortgage PROVIDENT FNDG
Feb 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 15, 2018	Grant Deed, Transfer · Conventional with PMI PROVIDENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Prior Sale	Jun 15, 2018 · Amount on File
Deed Book / Page	20250919 / 984
Prior Transfer Date	Oct 22, 2007
Prior Transfer Doc	0000000388
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122

Mortgage

Document Number	0000000045
Date	Jul 17, 2025
Instrument	202507170045

Lender

Name	HOMELIGHT HOME LOANS INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	4 Months
Due	Nov 9, 2025

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 19, 2025
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	0000000984
Map Reference	MB 206 MAP 8
Instrument Date	Sep 10, 2025
Instrument	202509190984
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	FIDELITY NATL TITLE COMPANY

Transaction

Amount	Amount 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	898 CEDAR CANYON CIR, GALT, CA 95632-8122

Mortgage

Document Number	0000000985
Date	Sep 19, 2025
Instrument	202509190985

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0000000986
Date	Sep 19, 2025
Instrument	202509190986

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	2012071600
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR GALT CA 956328122, GALT, CA 95632-8122

Mortgage

Document Number	2012071600
Date	Dec 7, 2020
Instrument	2012071600

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	SAN JOSE, CA 95110

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	2003240616
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR GALT CA 956328122, GALT, CA 95632-8122

Mortgage

Document Number	2003240616
Date	Mar 24, 2020
Instrument	2003240616

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	SAN JOSE, CA 95110

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	1909171363
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR GALT CA 956328122, GALT, CA 95632-8122

Mortgage

Document Number	1909171363
Date	Sep 17, 2019
Instrument	1909171363

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	333 W SAN CARLOS ST, SAN JOSE, CA 95110-2726

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	1902220910
Instrument Date	Feb 16, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR GALT CA 956328122, GALT, CA 95632-8122

Mortgage

Document Number	1902220910
Date	Feb 22, 2019
Instrument	1902220910

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 15, 2018
Property Address	898 CEDAR CANYON CIR, GALT, CA 95632-8122
Document Number	1806151274
Instrument Date	Jun 8, 2018
Instrument	1806151274
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.05
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CEDAR CANYON CIR GALT CA 956328122, GALT, CA 95632-8122

Mortgage

Document Number	1806151275
Date	Jun 15, 2018
Instrument	1806151275

Lender

Name	PROVIDENT BK
Type	Bank
Address	RIVERSIDE, CA 92506

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 898 Cedar Canyon Cir was $5,272, up 4.4% from the year before.

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		$540,000 (+2%) Land $135,000 Building $405,000
2025	$5,272.00 (+4.4%)	$450,004 Land $91,023 Building $358,981
2024	$5,050.00 (-6.29%)
2023	$5,389.00 (+3.77%)	$432,533 Land $87,490 Building $345,043
2022	$5,193.00

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

Flood

FEMA maps place 898 Cedar Canyon Cir in Zone X, an area of minimal flood risk.

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

The area around 898 Cedar Canyon Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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