163 W C St, Galt, CA 95632 Property Records

Sacramento County property record for 163 W C St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,069 sqft · built 1991
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (Sep 2021)
Tax Bill	$6,721 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`148-0530-014-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0530-014-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,069 sqft Living Area
Gross Area	2,327 sqft
1st Floor Area	1,144 sqft
2nd Floor Area	925 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	163 W C ST
City	GALT
State	CA
Zip	95632-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	FUMASI RANCH 02, LOT 154
Legal Subdivision	FUMASI RANCH 02
Legal Lot Number	154
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	3
Census Block	3002
Census Tract	9502

Owner

163 W C St is owned and occupied by an individual who bought it in September 2021.

Source: Sacramento County records, as of October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	163 W C ST, GALT, CA 95632-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 26, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage FJM PRIVATE MORTGAGE FUND LLC
Feb 19, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 28, 2021	Grant Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage FJM PRIVATE MORTGAGE FUND LLC
Jun 4, 2021	Grant Deed, Transfer TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO
Jun 4, 2021	Grant Deed, Transfer TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Prior Sale	Jun 4, 2021 · Amount on File
Deed Document Number	20211302
Deed Book / Page	20210928 / 1302
Prior Transfer Date	Oct 16, 1997
Prior Transfer Doc	9710000733
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	163 W C ST, GALT, CA 95632-2624
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 W C ST, GALT, CA 95632-2624

Mortgage

Document Number	0000000232
Date	Oct 16, 2023
Instrument	202310160232

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	163 W C ST, GALT, CA 95632-2624
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 W C ST, GALT, CA 95632-2624

Mortgage

Document Number	0000000359
Date	Aug 26, 2024
Instrument	202408260359

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Oct 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	163 W C ST, GALT, CA 95632-2624
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 SHEFFIELD CT, DISCOVERY BAY, CA 94505-1816

Mortgage

Document Number	0000001434
Date	Jul 12, 2021
Instrument	202107121434

Lender

Name	FJM PRIVATE MORTGAGE FUND LLC
Type	Mortgage Company
Address	PETALUMA, CA 94954

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	163 W C ST, GALT, CA 95632-2624
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 W C ST, GALT, CA 95632-2624

Mortgage

Document Number	0000000504
Date	Feb 19, 2025
Instrument	202502190504

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Oct 1, 2051

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 28, 2021
Property Address	163 W C ST, GALT, CA 95632-2624
Document Number	0000001302
Map Reference	MB 219 MAP 2
Instrument Date	Sep 23, 2021
Instrument	2021092801302
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
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
Address	163 W C ST, GALT, CA 95632-2624

Mortgage

Document Number	0000001303
Date	Sep 28, 2021
Instrument	2021092801303

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	163 W C ST, GALT, CA 95632-2624
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 SHEFFIELD CT, DISCOVERY BAY, CA 94505-1816

Mortgage

Document Number	7120000001434
Date	Jul 12, 2021
Book Page	20210712/1434

Lender

Name	FJM PRIVATE MORTGAGE FUND LLC
Type	Mortgage Company
Address	PETALUMA, CA 94954

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 4, 2021
Property Address	163 W C ST, GALT, CA 95632-2624
Document Number	0000001696
Map Reference	MB 210 MAP 2
Instrument Date	Jun 1, 2021
Instrument	202106041696
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount 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
Address	163 W C ST, GALT, CA 95632-2624

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 4, 2021
Property Address	163 W C ST, GALT, CA 95632-2624
Document Number	0000001695
Map Reference	MB 210 MAP 2
Instrument Date	Jun 1, 2021
Instrument	202106041695
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount 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
Address	163 W C ST, GALT, CA 95632-2624

Tax Assessment & Valuation

The 2025 property tax bill for 163 W C St was $6,721 with a homeowner's exemption, up 4.4% 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		$584,511 (+2%) Land $113,654 Building $470,857
2025	$6,721.00 (+4.36%) Homeowner's exemption	$573,051 Land $111,426 Building $461,625
2024	$6,440.00 (-4.62%)
2023	$6,752.00 (+3.81%) Homeowner's exemption	$550,800 Land $107,100 Building $443,700
2022	$6,504.00

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

Flood

FEMA maps place 163 W C St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 163 W C St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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