1020 Saunders Ct, Galt, CA 95632 Property Records

Sacramento County property record for 1020 Saunders Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,094 sqft · built 2007
Lot Size	0.208 acres (9,071 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,239 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`148-1020-039-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1020-039-0000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,094 sqft Living Area
1st Floor Area	1,536 sqft
2nd Floor Area	1,558 sqft
Bonus Room	Bonus Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	9,071 sqft (0.208 acres)
Garage Area	920 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1020 SAUNDERS CT
City	GALT
State	CA
Zip	95632-3782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	SOMMERSET UNIT NO.2, LOT 52
Legal Subdivision	SOMMERSET UNIT NO.2
Legal Lot Number	52
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2009
Census Tract	9409

Owner

Source: Sacramento County records, as of July 22, 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	1020 SAUNDERS CT, GALT, CA 95632-3782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 9, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 27, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 9, 2021	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 6, 2021	Grant Deed, Transfer · Conventional with PMI ALL CREDIT CONSIDERED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021
Deed Sale	Aug 9, 2021
Prior Sale	Jan 6, 2021 · Amount on Record
Deed Book / Page	20210809 / 1080
Prior Transfer Date	Aug 3, 2021
Prior Transfer Doc	8090000001080
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1020 SAUNDERS CT, GALT, CA 95632-3782
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SAUNDERS CT, GALT, CA 95632-3782

Mortgage

Document Number	0000000201
Date	Jul 14, 2023
Instrument	202307140201

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Sep 1, 2051

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1020 SAUNDERS CT, GALT, CA 95632-3782
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SAUNDERS CT, GALT, CA 95632-3782

Mortgage

Document Number	0000000463
Date	Apr 9, 2025
Instrument	202504090463

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Sep 1, 2051

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1020 SAUNDERS CT, GALT, CA 95632-3782
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SAUNDERS CT, GALT, CA 95632-3782

Mortgage

Document Number	0000000072
Date	Jun 27, 2024
Instrument	202406270072

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Sep 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 9, 2021
Property Address	1020 SAUNDERS CT, GALT, CA 95632-3782
Document Number	0000001080
Map Reference	MB 339 MAP 5
Instrument Date	Aug 3, 2021
Instrument	202108091080
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

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	Joint Tenants
Address	1020 SAUNDERS CT, GALT, CA 95632-3782

Mortgage

Document Number	0000001081
Date	Aug 9, 2021
Instrument	202108091081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 6, 2021
Property Address	1020 SAUNDERS CT, GALT, CA 95632-3782
Document Number	2101061792
Instrument Date	Dec 29, 2020
Instrument	2101061792
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
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	1020 SAUNDERS CT GALT CA 956323782, GALT, CA 95632-3782

Mortgage

Document Number	2101061793
Date	Jan 6, 2021
Instrument	2101061793

Lender

Name	ALL CREDIT CONSIDERED MTG
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2051

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		$629,323 (+2%) Land $104,886 Building $524,437
2025	$7,239.00 (+4.38%)	$616,984 (+4.04%) Land $102,830 Building $514,154
2024	$6,935.00 (-7.83%)
2023	$7,524.00 (+3.71%)	$593,028 Land $98,838 Building $494,190
2022	$7,255.00

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	Low lower than 99.1% of the US · lower than 99.2% 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 375 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: GeoLinks.

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