178 Ramon Ct, Galt, CA 95632 Property Records

Sacramento County property record for 178 Ramon Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,125 sqft · built 1985
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Feb 2021)
Tax Bill	$7,223 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0301-051-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0301-051-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,125 sqft Living Area
1st Floor Area	2,125 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,200 sqft (0.188 acres)
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	178 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 32
Legal Subdivision	EMERALD PARK 16
Legal Lot Number	32
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	178 RAMON CT, GALT, CA 95632-2314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Nov 21, 2017	Grant Deed, Transfer · Conventional with PMI UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Nov 21, 2017 · Amount on Record
Deed Book / Page	20210226 / 2388
Record Updated	Oct 29, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 26, 2021
Property Address	178 RAMON CT, GALT, CA 95632-2314
Document Number	0000002388
Map Reference	MB 132 PG 12
Instrument Date	Feb 19, 2021
Instrument	202102262388
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	178 RAMON CT, GALT, CA 95632-2314

Mortgage

Document Number	0000002389
Date	Feb 26, 2021
Instrument	202102262389

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 21, 2017
Property Address	178 RAMON CT, GALT, CA 95632-2314
Document Number	1711211068
Instrument Date	Nov 10, 2017
Instrument	1711211068
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.00
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	178 RAMON CT GALT CA 956322314, GALT, CA 95632-2314

Mortgage

Document Number	1711211069
Date	Nov 21, 2017
Instrument	1711211069

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 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		$563,078 (+2%) Land $126,967 Building $436,111
2025	$7,223.00 (+18.9%)	$552,038 (+4.04%) Land $124,478 Building $427,560
2024	$6,075.00 (+1.71%)
2023	$5,973.00 (+4.2%)	$530,604 Land $119,646 Building $410,958
2022	$5,732.00

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.

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