176 Ramon Ct, Galt, CA 95632 Property Records

Sacramento County property record for 176 Ramon Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,347 sqft · built 1984
Lot Size	0.175 acres (7,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2017)
Tax Bill	$3,722 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`148-0301-048-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0301-048-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,347 sqft Living Area
1st Floor Area	1,347 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,600 sqft (0.175 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	176 RAMON CT
City	GALT
State	CA
Zip	95632-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	EMERALD PARK 16, LOT 29
Legal Subdivision	EMERALD PARK 16
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2018
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	2 Individual Names on Record
Mailing Address	176 RAMON CT, GALT, CA 95632-2314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Feb 27, 2024	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jan 27, 2025	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 15, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
May 15, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jun 12, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Sep 12, 2013 · Amount on Record
Deed Book / Page	20170612 / 927
Prior Transfer Date	Sep 27, 2011
Prior Transfer Doc	0000000053
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	176 RAMON CT, GALT, CA 95632-2314
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	0000001475
Date	Sep 20, 2021
Instrument	2021092001475

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	176 RAMON CT, GALT, CA 95632-2314
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	0000000101
Date	Feb 27, 2024
Instrument	202402270101

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	176 RAMON CT, GALT, CA 95632-2314
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	0000000651
Date	Jan 27, 2025
Instrument	202501270651

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2054

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	176 RAMON CT, GALT, CA 95632-2314
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	0000000346
Date	Aug 15, 2025
Instrument	202508150346

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	May 15, 2026
Property Address	176 RAMON CT, GALT, CA 95632-2314
Document Number	2026001116
Book / Page	20260515 / 1116
Instrument Date	May 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	176 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	2026001116,
Date	May 15, 2026
Book Page	20260515/1116

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	176 RAMON CT, GALT, CA 95632-2314
Document Number	1912050448
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	176 RAMON CT GALT CA 956322314, GALT, CA 95632-2314

Mortgage

Document Number	1912050448
Date	Dec 5, 2019
Instrument	1912050448

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 12, 2017
Property Address	176 RAMON CT, GALT, CA 95632-2314
Document Number	1706120927
Instrument Date	Jun 7, 2017
Instrument	1706120927
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$313.00
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	176 RAMON CT GALT CA 956322314, GALT, CA 95632-2314

Mortgage

Document Number	1706120928
Date	Jun 12, 2017
Instrument	1706120928

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

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		$337,374 (+2%) Land $94,699 Building $242,675
2025	$3,722.00 (+4.52%) Homeowner's exemption	$330,760 (+4.04%) Land $92,843 Building $237,917
2024	$3,561.00 (+1.74%)
2023	$3,500.00 (-17.47%) Homeowner's exemption	$317,918 Land $89,239 Building $228,679
2022	$4,241.00

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	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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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 500 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Ramon Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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