115 2nd St, Galt, CA 95632 Property Records

Sacramento County property record for 115 2nd St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 918 sqft · built 1964
Lot Size	0.131 acres (5,700 sqft)
Owner	Individual Name on Record
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-0183-010-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0183-010-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	918 sqft Living Area
1st Floor Area	918 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,700 sqft (0.131 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	115 2ND ST
City	GALT
State	CA
Zip	95632-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DR
Legal Description	WLY 95 FT OF LOTS 1 & 2 BLK 2 OF GALT EXC S 1/2LOT 2 FMLY 150-183-01
Legal Subdivision	TOWN GALT
Legal Block	2
Legal Lot Number	1,2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4005
Census Tract	9502

Owner

Source: Sacramento County records, as of September 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	115 2ND ST, GALT, CA 95632-1804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FIN'L
Jul 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 18, 2016
Transfer Doc	0000000072
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 2ND ST, GALT, CA 95632-1804
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 2ND ST, GALT, CA 95632-1804

Mortgage

Document Number	0000000767
Date	Nov 14, 2025
Instrument	202511140767

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 2ND ST, GALT, CA 95632-1804
Document Number	2012020641
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 2ND ST GALT CA 956321804, GALT, CA 95632-1804

Mortgage

Document Number	2012020641
Date	Dec 2, 2020
Instrument	2012020641

Lender

Name	MOUNTAIN WEST FIN'L
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 2ND ST, GALT, CA 95632-1804
Document Number	1807260898
Instrument Date	Jul 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	ORABGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 2ND ST GALT CA 956321804, GALT, CA 95632-1804

Mortgage

Document Number	1807260898
Date	Jul 26, 2018
Instrument	1807260898

Lender

Name	MAGNOLIA BK
Type	Bank
Address	CAMPBELLSVILE, KY 42718

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 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		$111,673 (+2%) Land $40,604 Building $71,069
2025	$1,258.00 (+4.49%)	$109,484 (+4.04%) Land $39,808 Building $69,676
2024	$1,204.00 (+1.69%)
2023	$1,184.00 (+4.23%)	$105,234 Land $38,263 Building $66,971
2022	$1,136.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 500 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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