109 Silver Spruce Ct, Galt, CA 95632 Property Records

Sacramento County property record for 109 Silver Spruce Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,255 sqft · built 1993
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on Record
Last Sale	$535,000 (May 2026)
Tax Bill	$8,807 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0480-067-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0480-067-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,255 sqft Living Area
1st Floor Area	1,255 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	9,148 sqft (0.21 acres)
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 SILVER SPRUCE CT
City	GALT
State	CA
Zip	95632-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	QUAIL HOLLOW 03B, LOT 220
Legal Subdivision	QUAIL HOLLOW 03B
Legal Lot Number	220
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2007
Census Tract	9502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage MATTHEWS INV
May 6, 2026	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
May 6, 2026	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jan 20, 2026	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Jan 20, 2026 · Amount on Record
Deed Book / Page	20260506 / 688
Prior Transfer Date	Jun 10, 2009
Prior Transfer Doc	6160000000147
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	May 1, 2026
Property Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423
Document Number	2026000820
Book / Page	20260501 / 820
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 W MARCH LN, STOCKTON, CA 95219-8234
Investor	Possibly a Property Investor

Mortgage

Document Number	2026000820,
Date	May 1, 2026
Book Page	20260501/820

Lender

Name	MATTHEWS INV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 6, 2026
Property Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423
Document Number	2026000686
Book / Page	20260506 / 686
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3202 W MARCH LN, STOCKTON, CA 95219-8234
Investor	Possibly a Property Investor

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 6, 2026
Property Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423
Document Number	2026000688
Book / Page	20260506 / 688
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$59,438.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 20, 2026
Property Address	109 SILVER SPRUCE CT, GALT, CA 95632-2423
Document Number	0000000607
Map Reference	MB 211 PG 6
Instrument Date	Jan 12, 2026
Instrument	202601200607
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	3202 W MARCH LN STE A, A, STOCKTON, CA 95219-2351

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		$294,202 (+2%) Land $85,806 Building $208,396
2025	$8,807.00 (+159.33%)	$288,434 (+4.04%) Land $84,124 Building $204,310
2024	$3,396.00 (+1.62%)
2023	$3,342.00 (-14.35%)	$277,235 Land $80,858 Building $196,377
2022	$3,902.00

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1982–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2021 · rainfall accumulation

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 97% of the US · lower than 97.8% 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 652 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

May also be available: GeoLinks.

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