121 Silver Spruce Ct, Galt, CA 95632 Property Records

Sacramento County property record for 121 Silver Spruce Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 1992
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Trust Names on File
Last Sale	$262,000 (May 2015)
Tax Bill	$3,842 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0480-070-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0480-070-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
1st Floor Area	1,723 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	121 SILVER SPRUCE CT
City	GALT
State	CA
Zip	95632-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	QUAIL HOLLOW 03B, LOT 217
Legal Subdivision	QUAIL HOLLOW 03B
Legal Lot Number	217
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2007
Census Tract	9502

Owner

121 Silver Spruce Ct is owner-occupied and held in a trust since May 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	121 SILVER SPRUCE CT, GALT, CA 95632-2423
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2015 · Amount on File
Deed Sale	May 14, 2015 · Amount on File
Prior Sale	Dec 24, 2008 · Amount on File
Deed Book / Page	20150514 / 1069
Prior Transfer Date	Apr 2, 2008
Prior Transfer Doc	0000000286
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	121 SILVER SPRUCE CT, GALT, CA 95632-2423
Document Number	2010202284
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 SILVER SPRUCE CT GALT CA 956322423, GALT, CA 95632-2423

Mortgage

Document Number	2010202284
Date	Oct 20, 2020
Instrument	2010202284

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 19, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 121 Silver Spruce Ct was $3,842, up 4.2% 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		$321,171 (+2%) Land $85,806 Building $235,365
2025	$3,842.00 (+4.23%)	$314,874 Land $84,124 Building $230,750
2024	$3,686.00 (+1.6%)
2023	$3,628.00 (+3.92%)	$302,649 Land $80,858 Building $221,791
2022	$3,491.00

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

Flood

FEMA maps place 121 Silver Spruce Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	4 in force
Nearby Flood Claims	2 (1982–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2021 · rainfall accumulation

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

The area around 121 Silver Spruce Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 652 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

May also be available: GeoLinks.

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