14039 Joy Dr, Galt, CA 95632 Property Records

Sacramento County property record for 14039 Joy Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,404 sqft · built 1984
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Oct 2020)
Tax Bill	$7,235 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`150-0371-018-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0371-018-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,404 sqft Living Area
1st Floor Area	2,414 sqft
Bonus Room	Bonus Room
Family Room	Family Room

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	53,579 sqft
Garage Area	1,077 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	14039 JOY DR
City	GALT
State	CA
Zip	95632-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	PARCEL MAP, LOT 2
Legal Subdivision	PARCEL MAP
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1057
Census Tract	9504

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	Individual Name on Record
Mailing Address	14039 JOY DR, GALT, CA 95632-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Oct 23, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Feb 10, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 10, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Jan 14, 2009 · Amount on Record
Deed Book / Page	20201023 / 1741
Prior Transfer Date	Oct 30, 2003
Prior Transfer Doc	2003000028
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	14039 JOY DR, GALT, CA 95632-2201
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14039 JOY DR, GALT, CA 95632-2201

Mortgage

Document Number	0000000273
Date	Jan 27, 2022
Instrument	2022012700273

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2032

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	14039 JOY DR, GALT, CA 95632-2201
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14039 JOY DR, GALT, CA 95632-2201

Mortgage

Document Number	0000000753
Date	Jan 19, 2023
Instrument	2023011900753

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	CRAFTSBURY, VT 05826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 23, 2020
Property Address	14039 JOY DR, GALT, CA 95632-2201
Document Number	2010231741
Instrument Date	Oct 16, 2020
Instrument	2010231741
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14039 JOY DR GALT CA 956322201, GALT, CA 95632-2201

Mortgage

Document Number	2010231742
Date	Oct 23, 2020
Instrument	2010231742

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	14039 JOY DR, GALT, CA 95632-2201
Document Number	1910161604
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	14039 JOY DR GALT CA 956322201, GALT, CA 95632-2201

Mortgage

Document Number	1910161604
Date	Oct 16, 2019
Instrument	1910161604

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	14039 JOY DR, GALT, CA 95632-2201
Document Number	0000000313
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14039 JOY DR GALT CA 956322201, GALT, CA 95632-2201

Mortgage

Document Number	0000000313
Date	Feb 17, 2017
Book Page	170217/000313

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.83%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	14039 JOY DR, GALT, CA 95632-2201
Document Number	0000000312
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 27, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14039 JOY DR GALT CA 956322201, GALT, CA 95632-2201

Mortgage

Document Number	0000000312
Date	Feb 17, 2017
Book Page	170217/000312

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.83%

Tax Assessment & Valuation

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		$645,884 (+2%) Land $193,213 Building $452,671
2025	$7,235.00 (+5.02%) Homeowner's exemption	$633,221 (+4.04%) Land $189,425 Building $443,796
2024	$6,889.00 (+1.73%)
2023	$6,772.00 (+4.09%) Homeowner's exemption	$608,634 Land $182,070 Building $426,564
2022	$6,506.00

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 X minimal risk
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

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 345 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
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

Nearby Properties on Joy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures