173 Saddle Ct, Galt, CA 95632 Property Records

Sacramento County property record for 173 Saddle Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1988
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on Record
Last Sale	$308,000 (Apr 2018)
Tax Bill	$4,029 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-002-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,580 sqft (0.197 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	173 SADDLE CT
City	GALT
State	CA
Zip	95632-1863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	REYNOLDS RANCH 02, LOT 77
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	77
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4013
Census Tract	9502

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	173 SADDLE CT, GALT, CA 95632-1863
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE GOLDEN 1 CU
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG
Apr 26, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2018 · Amount on Record
Deed Sale	Apr 26, 2018 · Amount on Record
Prior Sale	Oct 25, 2006 · Amount on Record
Deed Book / Page	20180426 / 856
Prior Transfer Date	Feb 11, 2013
Prior Transfer Doc	0000000190
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	173 SADDLE CT, GALT, CA 95632-1863
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	0000000633
Date	Jun 21, 2023
Instrument	202306210633

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 15, 2043

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	173 SADDLE CT, GALT, CA 95632-1863
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CALATLANTIC TITLE INC, CALATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	0000001939
Date	Apr 8, 2021
Instrument	202104081939

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	173 SADDLE CT, GALT, CA 95632-1863
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	CALATLANTIC TITLE INC, CALATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	4080000001939
Date	Apr 8, 2021
Book Page	20210408/1939

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	173 SADDLE CT, GALT, CA 95632-1863
Document Number	2003300232
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 SADDLE CT GALT CA 956321863, GALT, CA 95632-1863

Mortgage

Document Number	2003300232
Date	Mar 30, 2020
Instrument	2003300232

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 26, 2018
Property Address	173 SADDLE CT, GALT, CA 95632-1863
Document Number	1804260856
Instrument Date	Apr 23, 2018
Instrument	1804260856
Transaction Type	Transfer
Record Updated	May 4, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 SADDLE CT GALT CA 956321863, GALT, CA 95632-1863

Mortgage

Document Number	1804260857
Date	Apr 26, 2018
Instrument	1804260857

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

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		$357,454 (+2%) Land $81,238 Building $276,216
2025	$4,029.00 (+4.49%)	$350,446 (+4.04%) Land $79,646 Building $270,800
2024	$3,856.00 (+1.71%)
2023	$3,791.00 (+4.21%)	$336,840 Land $76,554 Building $260,286
2022	$3,638.00

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

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

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 509 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Saddle Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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