164 S Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 164 S Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,119 sqft · built 1993
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jun 2020)
Tax Bill	$4,218 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`148-0530-057-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0530-057-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
1st Floor Area	1,119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Garage Area	465 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	164 S EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	FUMASI RANCH 03, LOT 300
Legal Subdivision	FUMASI RANCH 03
Legal Lot Number	300
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	3
Census Block	3003
Census Tract	9502

Owner

164 S Emerald Oak Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	164 S EMERALD OAK DR, GALT, CA 95632-2641
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
Jun 15, 2020	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
May 28, 2019	Deed of Trust, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Prior Sale	Feb 24, 2010 · Amount on File
Deed Book / Page	20200615 / 1644
Prior Transfer Date	Dec 17, 2009
Prior Transfer Doc	0000000395
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 15, 2020
Property Address	164 S EMERALD OAK DR, GALT, CA 95632-2641
Document Number	2006151644
Instrument Date	Jun 12, 2020
Instrument	2006151644
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	164 S EMERALD OAK DR GALT CA 956322641, GALT, CA 95632-2641

Mortgage

Document Number	2006151645
Date	Jun 15, 2020
Instrument	2006151645

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

Mortgage

Document Number	2006151646,
Date	Jun 15, 2020
Instrument	2006151646

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	164 S EMERALD OAK DR, GALT, CA 95632-2641
Document Number	1906030891
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 EMERALD OAK DR GALT CA 95632, GALT, CA 95632

Mortgage

Document Number	1906030891
Date	Jun 3, 2019
Instrument	1906030891

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 164 S Emerald Oak Dr was $4,218 with a homeowner's exemption, up 4.3% 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		$362,538 (+2%) Land $117,126 Building $245,412
2025	$4,218.00 (+4.28%) Homeowner's exemption	$355,430 Land $114,830 Building $240,600
2024	$4,045.00 (-4.37%)
2023	$4,230.00 (+3.75%) Homeowner's exemption	$341,630 Land $110,372 Building $231,258
2022	$4,077.00

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

Flood

FEMA maps place 164 S Emerald Oak Dr 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 164 S Emerald Oak Dr is low, with less than 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 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 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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