1220 Wise Way, Galt, CA 95632 Property Records

Sacramento County property record for 1220 Wise Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,376 sqft · built 2015
Lot Size	0.152 acres (6,631 sqft)
Owner	2 Individual Names on File
Last Sale	$368,500 (Oct 2015)
Tax Bill	$6,210 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-0690-045-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0690-045-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,376 sqft Living Area
1st Floor Area	951 sqft
2nd Floor Area	1,425 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,631 sqft (0.152 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1220 WISE WAY
City	GALT
State	CA
Zip	95632-8383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	CREEKSIDE UNIT 4, LOT 45
Legal Subdivision	CREEKSIDE UNIT 4
Legal Lot Number	45
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1071
Census Tract	9504

Owner

1220 Wise Way is owned and occupied by two individuals who bought it in October 2015.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1220 WISE WAY, GALT, CA 95632-8383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 8, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2015 · Amount on File
Deed Sale	Oct 23, 2015 · Amount on File
Prior Sale	Sep 3, 2008
Deed Book / Page	20151023 / 1029
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1220 WISE WAY, GALT, CA 95632-8383
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 WISE WAY, GALT, CA 95632-8383

Mortgage

Document Number	2021092401706
Date	Sep 24, 2021
Instrument	2021092401706

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	1220 WISE WAY, GALT, CA 95632-8383
Document Number	2005200478
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 WISE WAY GALT CA 956328383, GALT, CA 95632-8383

Mortgage

Document Number	2005200478
Date	May 20, 2020
Instrument	2005200478

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1220 WISE WAY, GALT, CA 95632-8383
Document Number	2005150745
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 WISE WAY GALT CA 956328383, GALT, CA 95632-8383

Mortgage

Document Number	2005150745
Date	May 15, 2020
Instrument	2005150745

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Wise Way was $6,210, up 4.1% 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		$444,902 (+2%) Land $90,556 Building $354,346
2025	$6,210.00 (+4.14%)	$436,180 Land $88,781 Building $347,399
2024	$5,963.00 (-6.57%)
2023	$6,382.00 (+3.98%)	$419,245 Land $85,335 Building $333,910
2022	$6,138.00

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

Flood

FEMA maps place 1220 Wise Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 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 1220 Wise Way is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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	0.2% annual chance
Exposure	Direct burnable vegetation

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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	1,000 / 1,000
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Matrix Broadband.

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