13 Ramon Dr, Galt, CA 95632 Property Records

Sacramento County property record for 13 Ramon Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,909 sqft · built 1983
Lot Size	0.204 acres (8,872 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 1996)
Tax Bill	$2,769 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0303-039-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0303-039-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,909 sqft Living Area
1st Floor Area	1,909 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,872 sqft (0.204 acres)
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	13 RAMON DR
City	GALT
State	CA
Zip	95632-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	EMERALD PARK 16, LOT 45
Legal Subdivision	EMERALD PARK 16
Legal Lot Number	45
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2020
Census Tract	9502

Owner

13 Ramon Dr is owned and occupied by an individual who acquired it in November 2004.

Source: Sacramento County records, as of September 16, 2026

Owner of Record	Individual Name on File
Mailing Address	13 RAMON DR, GALT, CA 95632-2316
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CREDIT UNION
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 1996 · Amount on File
Deed Sale	Jun 10, 1996 · Amount on File
Prior Sale	Dec 13, 1994 · Amount on File
Deed Book / Page	960610 / 1172
Last Transfer Date	Nov 18, 2004
Transfer Doc	2004002472
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 8, 2026
Property Address	13 RAMON DR, GALT, CA 95632-2316
Document Number	2026000399
Book / Page	20260908 / 399
Instrument Date	Sep 1, 2026
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 RAMON DR, GALT, CA 95632-2316

Mortgage

Document Number	2026000399,
Date	Sep 8, 2026
Book Page	20260908/399

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	13 RAMON DR, GALT, CA 95632-2316
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 RAMON DR, GALT, CA 95632-2316

Mortgage

Document Number	0000001091
Date	Aug 25, 2021
Instrument	2021082501091

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 13 Ramon Dr was $2,769, up 4.5% 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		$245,666 (+2%) Land $59,290 Building $186,376
2025	$2,769.00 (+4.49%)	$240,850 Land $58,128 Building $182,722
2024	$2,650.00 (+1.73%)
2023	$2,605.00 (+4.2%)	$231,500 Land $55,872 Building $175,628
2022	$2,500.00

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

Flood

FEMA maps place 13 Ramon Dr 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 13 Ramon Dr 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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