974 Caversham Way, Galt, CA 95632 Property Records

Sacramento County property record for 974 Caversham Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,428 sqft · built 2001
Lot Size	0.214 acres (9,319 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Jun 2018)
Tax Bill	$6,427 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0880-022-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0880-022-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area
1st Floor Area	1,408 sqft
2nd Floor Area	1,020 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	9,319 sqft (0.214 acres)
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	974 CAVERSHAM WAY
City	GALT
State	CA
Zip	95632-3460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RIVER OAKS 02C, LOT 357
Legal Subdivision	RIVER OAKS 02C
Legal Lot Number	357
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2017
Census Tract	9409

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	2 Individual Names on Record
Mailing Address	974 CAVERSHAM WAY, GALT, CA 95632-3460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Jun 12, 2018	Affidavit of Death, Transfer NORTH AMERICAN TITLE
Jun 12, 2018	Grant Deed, Transfer · Conventional Mortgage LAND HM FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Jan 25, 2002 · Amount on Record
Deed Book / Page	20180612 / 1094
Prior Transfer Date	Jun 5, 2018
Prior Transfer Doc	6120000001093
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	974 CAVERSHAM WAY, GALT, CA 95632-3460
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 CAVERSHAM WAY, GALT, CA 95632-3460

Mortgage

Document Number	0000001662
Date	Feb 24, 2021
Instrument	202102241662

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	974 CAVERSHAM WAY, GALT, CA 95632-3460
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 CAVERSHAM WAY, GALT, CA 95632-3460

Mortgage

Document Number	2240000001662
Date	Feb 24, 2021
Book Page	20210224/1662

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 12, 2018
Property Address	974 CAVERSHAM WAY, GALT, CA 95632-3460
Document Number	1806121093
Instrument Date	Jun 5, 2018
Instrument	1806121093
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 TAYLOR ST TAFT CA 932681506, TAFT, CA 93268-1506

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 12, 2018
Property Address	974 CAVERSHAM WAY, GALT, CA 95632-3460
Document Number	1806121094
Instrument Date	Jun 5, 2018
Instrument	1806121094
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$537.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	974 CAVERSHAM WAY GALT CA 956323460, GALT, CA 95632-3460

Mortgage

Document Number	1806121095
Date	Jun 12, 2018
Instrument	1806121095

Lender

Name	LAND HM FIN'L
Type	Funding / Finance Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

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		$567,520 (+2%) Land $104,450 Building $463,070
2025	$6,427.00 (+4.44%) Homeowner's exemption	$556,393 (+4.04%) Land $102,402 Building $453,991
2024	$6,154.00 (-2.53%)
2023	$6,314.00 (+3.97%) Homeowner's exemption	$534,790 Land $98,427 Building $436,363
2022	$6,073.00

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
Nearby Flood Policies	4 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	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 449 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 · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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