115 Oak Ave, Galt, CA 95632 Property Records

Sacramento County property record for 115 Oak Ave, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1944
Lot Size	0.169 acres (7,345 sqft)
Owner	2 Trust Names on File
Last Sale	$96,000 (Dec 2009)
Tax Bill	$1,344 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`150-0171-008-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0171-008-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,345 sqft (0.169 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	115 OAK AVE
City	GALT
State	CA
Zip	95632-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	POR OF NE 1/4 SEC 27 TWP 5 N R 6 E MD B &M DES AS BEG AT A PT ON E LINE OF OAK AVE LOCATED S 89%31W 1164.65 FT & S 0%41E
Legal Subdivision	A150 171
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1010
Census Tract	9503

Owner

115 Oak Ave is owner-occupied and held in a trust since January 2020.

Source: Sacramento County records, as of September 18, 2026

Owner of Record	2 Trust Names on File
Mailing Address	115 OAK AVE, GALT, CA 95632-1537
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
Sep 10, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LNDG INC
Feb 7, 2020	Quit Claim Deed, Transfer ADVANTAGEFIRST LNDG INC
May 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2009 · Amount on File
Deed Sale	Dec 4, 2009 · Amount on File
Prior Sale	Sep 8, 2009 · Amount on File
Deed Book / Page	20091204 / 114
Last Transfer Date	Jan 14, 2020
Transfer Doc	0000000440
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 10, 2026
Property Address	115 OAK AVE, GALT, CA 95632-1537
Document Number	2026000019
Book / Page	20260910 / 19
Instrument Date	Sep 2, 2026
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

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	Family Revocable Trust
Address	115 OAK AVE, GALT, CA 95632-1537

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 OAK AVE, GALT, CA 95632-1537
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK AVE, GALT, CA 95632-1537
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000017
Date	Oct 18, 2021
Instrument	2021101800017

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 OAK AVE, GALT, CA 95632-1537
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK AVE, GALT, CA 95632-1537
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000623
Date	Apr 18, 2022
Instrument	2022041800623

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2032

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 OAK AVE, GALT, CA 95632-1537
Document Number	2008051799
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK AVE GALT CA 956321537, GALT, CA 95632-1537

Mortgage

Document Number	2008051799
Date	Aug 5, 2020
Instrument	2008051799

Lender

Name	ADVANTAGEFIRST LNDG INC
Address	RANCHO SANTA MARGARI, CA 92688

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 4, 2040

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 7, 2020
Property Address	115 OAK AVE, GALT, CA 95632-1537
Document Number	2002070439
Instrument Date	Jan 14, 2020
Instrument	2002070439
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK AVENUE GALT GALT CA 95632, GALT, CA 95632

Mortgage

Document Number	2002070440
Date	Feb 7, 2020
Instrument	2002070440

Lender

Name	ADVANTAGEFIRST LNDG INC
Address	RANCHO SANTA MARGARI, CA 92688

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 6, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	115 OAK AVE, GALT, CA 95632-1537
Document Number	1909170992
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK AVE GALT CA 956321537, GALT, CA 95632-1537

Mortgage

Document Number	1909170992
Date	Sep 17, 2019
Instrument	1909170992

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 16, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 115 Oak Ave was $1,344, up 4.7% 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		$126,380 (+2%) Land $65,823 Building $60,557
2025	$1,344.00 (+4.67%) Homeowner's exemption	$123,903 Land $64,533 Building $59,370
2024	$1,284.00 (+1.82%)
2023	$1,261.00 (+4.3%) Homeowner's exemption	$119,093 Land $62,028 Building $57,065
2022	$1,209.00

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

Flood

FEMA maps place 115 Oak Ave 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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 115 Oak Ave is low, with a 0.01% annual chance of 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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