Sacramento County property record for 115 Spruce Ave, Galt, CA 95632
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,163 sqft · built 1964 |
| Lot Size | 0.151 acres (6,596 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Oct 2010) |
| Tax Bill | $2,055 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0164-013-0000 |
| Primary APN | 150-0164-013-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,163 sqft Living Area |
| Gross Area | 2,383 sqft |
| 1st Floor Area | 2,163 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,596 sqft (0.151 acres) |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 115 SPRUCE AVE |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-1539 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Description | STENSTRUM KOEHN TRACT, LOT 6 |
| Legal Subdivision | STENSTRUM KOEHN TRACT |
| Legal Lot Number | 6 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 9503 |
115 Spruce Ave, a duplex, is owned and occupied by two individuals who bought it in October 2010.
Source: Sacramento County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 SPRUCE AVE, GALT, CA 95632-1539 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2010 · Amount on File |
| Deed Sale | Oct 15, 2010 · Amount on File |
| Prior Sale | Apr 12, 2010 · Amount on File |
| Deed Book / Page | 20101015 / 145 |
| Prior Transfer Date | Apr 8, 2010 |
| Prior Transfer Doc | 0000000406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 115 SPRUCE AVE, GALT, CA 95632-1539 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 117 SPRUCE AVE, GALT, CA 95632-1539 |
| Document Number | 0000000391 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 202603020391 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 115 Spruce Ave was $2,055 with a homeowner's exemption, up 4.6% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $189,470 (+2%) Land $52,264 Building $137,206 | |
| 2025 | $2,055.00 (+4.58%) Homeowner's exemption | $185,756 Land $51,240 Building $134,516 |
| 2024 | $1,965.00 (+1.76%) | |
| 2023 | $1,931.00 (+4.32%) Homeowner's exemption | $178,545 Land $49,251 Building $129,294 |
| 2022 | $1,851.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 115 Spruce 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 risk around 115 Spruce 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.
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 |
| 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.
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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