1138 Elderwood Dr, Galt, CA 95632 Property Records

Sacramento County property record for 1138 Elderwood Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,581 sqft · built 1998
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,212 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`148-0660-084-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0660-084-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,581 sqft Living Area
1st Floor Area	1,581 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,500 sqft (0.149 acres)
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1138 ELDERWOOD DR
City	GALT
State	CA
Zip	95632-3753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	EXECUTIVE SERIES AT TWIN CITIES EST, LOT 153
Legal Subdivision	EXECUTIVE SERIES AT TWIN CITIES EST
Legal Lot Number	153
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1015
Census Tract	9409

Owner

1138 Elderwood Dr is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 24, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 9, 2021	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Nov 24, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 24, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 28, 2021	Intrafamily Transfer, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jul 7, 2021	Grant Deed, Transfer · Conventional Mortgage DON K CALLAHAN INSURANCE CONSULTANT
Mar 9, 2021	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jul 28, 2020	Quit Claim Deed, Transfer GUILD MTG
Jun 16, 2017	Grant Deed, Transfer · Conventional with PMI COMPASS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021
Deed Sale	Oct 28, 2021
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	20211527
Deed Book / Page	20211028 / 1527
Prior Transfer Date	Oct 23, 2021
Prior Transfer Doc	0000001527
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000000660
Date	Nov 24, 2025
Instrument	202511240660

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Nov 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000000136
Date	Feb 5, 2024
Instrument	202402050136

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 EIDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000000198
Date	Mar 9, 2021
Instrument	202103090198

Lender

Name	BANNER BANK
Type	Bank
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000000660
Date	Nov 24, 2025
Instrument	202511240660

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Nov 1, 2051

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000000660
Date	Nov 24, 2025
Instrument	202511240660

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Nov 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 28, 2021
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Document Number	0000001527
Map Reference	MB 215 PG 1
Instrument Date	Oct 23, 2021
Instrument	2021102801527
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000001528
Date	Oct 28, 2021
Instrument	2021102801528

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 7, 2021
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Document Number	0000001028
Map Reference	MB 215 PG 1
Instrument Date	Jun 17, 2021
Instrument	202107071028
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	1138 ELDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	0000001029
Date	Jul 7, 2021
Instrument	202107071029

Lender

Name	DON K CALLAHAN INSURANCE CONSULTANT
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2031

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 EIDERWOOD DR, GALT, CA 95632-3753

Mortgage

Document Number	3090000000198
Date	Mar 9, 2021
Book Page	20210309/198

Lender

Name	BANNER BANK
Type	Bank
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 28, 2020
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Document Number	2007281230
Instrument Date	Jul 22, 2020
Instrument	2007281230
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1138 ELDERWOOD DR GALT CA 956323753, GALT, CA 95632-3753

Mortgage

Document Number	2007281231
Date	Jul 28, 2020
Instrument	2007281231

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 16, 2017
Property Address	1138 ELDERWOOD DR, GALT, CA 95632-3753
Document Number	1706161133
Instrument Date	Jun 15, 2017
Instrument	1706161133
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ELDERWOOD DR GALT CA 956323753, GALT, CA 95632-3753

Mortgage

Document Number	1706161134
Date	Jun 16, 2017
Instrument	1706161134

Lender

Name	COMPASS BK
Type	Federal Savings Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1138 Elderwood Dr was $6,212, 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		$541,214 (+2%) Land $113,654 Building $427,560
2025	$6,212.00 (+4.4%)	$530,603 Land $111,426 Building $419,177
2024	$5,950.00 (-4.23%)
2023	$6,213.00 (+3.86%)	$510,000 Land $107,100 Building $402,900
2022	$5,982.00

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

Flood

FEMA maps place 1138 Elderwood Dr 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 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

Wildfire risk around 1138 Elderwood Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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 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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