11599 Arno Rd, Galt, CA 95632 Property Records

Sacramento County property record for 11599 Arno Rd, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 1975
Lot Size	2.35 acres (102,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$780,000 (Jul 2026)
Tax Bill	$6,298 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2026 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`138-0010-011-0000`

Property Details

APN / Parcel Number

Primary APN	`138-0010-011-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,481 sqft Living Area
1st Floor Area	984 sqft
Family Room	Family Room

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	102,366 sqft
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	11599 ARNO RD
City	GALT
State	CA
Zip	95632-8552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	LOT 58 VALENSIN COLONY EXC W 545 FT
Legal Subdivision	VALENSIN COLONY
Legal Lot Number	58
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1041
Census Tract	9403

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 Individual Names on Record
Mailing Address	11599 ARNO RD, GALT, CA 95632-8552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit THE POLICE CU OF CALIFORNIA
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORP
May 26, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	2026
Deed Book / Page	20260720 / 256
Prior Transfer Date	Oct 17, 2016
Prior Transfer Doc	0000001683
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 20, 2026
Property Address	11599 ARNO RD, GALT, CA 95632-8552
Document Number	2026000256
Book / Page	20260720 / 256
Instrument Date	Jul 13, 2026
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	LENNAR TITLE INC, LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,658.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11599 ARNO RD, GALT, CA 95632-8552

Mortgage

Document Number	2026000257,
Date	Jul 20, 2026
Book Page	20260720/257

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	11599 ARNO RD, GALT, CA 95632-8552
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11599 ARNO RD, GALT, CA 95632-8552
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000734
Date	Feb 23, 2026
Instrument	202602230734

Lender

Name	THE POLICE CU OF CALIFORNIA
Type	Credit Union
Address	SAN BRUNO, CA 94066

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	11599 ARNO RD, GALT, CA 95632-8552
Document Number	2006190241
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11599 ARNO RD GALT CA 956328552, GALT, CA 95632-8552

Mortgage

Document Number	2006190241
Date	Jun 19, 2020
Instrument	2006190241

Lender

Name	OWNING CORP
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 26, 2017
Property Address	11599 ARNO RD, GALT, CA 95632-8552
Document Number	5260000001354
Book / Page	20170526 / 1354
Map Reference	MB 11 PG 21
Instrument Date	May 23, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	11599 ARNO RD, GALT, CA 95632-8552
Investor	Possibly a Property Investor

Mortgage

Document Number	201705261355
Date	May 26, 2017
Instrument	20170526/1355

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Elementary School District	Arcohe 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		$597,809 (+2%) Land $287,547 Building $310,262
2025	$6,298.00 (+1.98%) Homeowner's exemption	$586,088 (+4.04%) Land $281,909 Building $304,179
2024	$6,176.00 (+2.2%)
2023	$6,043.00 (+4.68%) Homeowner's exemption	$563,331 Land $270,963 Building $292,368
2022	$5,773.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	12 (1995–2023)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 5 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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