185 Saddle Ct, Galt, CA 95632 Property Records

Sacramento County property record for 185 Saddle Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,019 sqft · built 1988
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on Record
Last Sale	$459,000 (Dec 2023)
Tax Bill	$5,383 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-004-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-004-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,019 sqft Living Area
1st Floor Area	1,019 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	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	185 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 79
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	79
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	185 SADDLE CT, GALT, CA 95632-1863
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 6, 2023	Intrafamily Transfer, Transfer
Feb 6, 2023	Affidavit of Death of Joint Tenant, Transfer
Oct 1, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2023 · Amount on Record
Deed Sale	Dec 7, 2023 · Amount on Record
Deed Book / Page	20231207 / 664
Prior Transfer Date	Feb 6, 2023
Prior Transfer Doc	2023000412
Record Updated	Oct 29, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 7, 2023
Property Address	185 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000664
Map Reference	MB 178 MAP 6
Instrument Date	Dec 4, 2023
Instrument	202312070664
Transaction Type	Transfer
Record Updated	Dec 19, 2023
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
Address	185 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	0000000665
Date	Dec 7, 2023
Instrument	202312070665

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2039

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 6, 2023
Property Address	185 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000412
Map Reference	MB 178 MAP 6
Instrument Date	Feb 6, 2023
Instrument	2023020600412
Transaction Type	Transfer
Record Updated	Feb 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SADDLE CT, GALT, CA 95632-1863

February 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 6, 2023
Property Address	185 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000411
Map Reference	MB 178 MAP 6
Instrument Date	Feb 6, 2023
Instrument	2023020600411
Transaction Type	Transfer
Record Updated	Feb 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SADDLE CT, GALT, CA 95632-1863

October 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 1, 2020
Property Address	185 SADDLE CT, GALT, CA 95632-1863
Document Number	2010010758
Instrument Date	Aug 24, 2020
Instrument	2010010758
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	185 SADDLE CT GALT CA 956321863, GALT, CA 95632-1863

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		$477,543 (+2%) Land $130,050 Building $347,493
2025	$5,383.00 (+4.48%)	$468,180 (+125.08%) Land $127,500 Building $340,680
2024	$5,152.00 (+127.76%)
2023	$2,262.00 (+4.29%) Homeowner's exemption	$208,004 Land $69,328 Building $138,676
2022	$2,169.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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