192 Saddle Ct, Galt, CA 95632 Property Records

Sacramento County property record for 192 Saddle Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1988
Lot Size	0.196 acres (8,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Mar 2018)
Tax Bill	$4,171 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-013-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-013-0000`

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
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,525 sqft (0.196 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	192 SADDLE CT
City	GALT
State	CA
Zip	95632-1851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	REYNOLDS RANCH 02, LOT 88
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	88
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	2 Individual Names on Record
Mailing Address	192 SADDLE CT, GALT, CA 95632-1851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 26, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN PACIFIC MTG
Mar 29, 2018	Grant Deed, Transfer · Conventional with PMI AMERICAN PACIFIC MTG-TEHACHAPI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jun 13, 2014 · Amount on Record
Deed Book / Page	20180329 / 1443
Prior Transfer Date	Mar 3, 2004
Prior Transfer Doc	2004002238
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	192 SADDLE CT, GALT, CA 95632-1851
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 SADDLE CT, GALT, CA 95632-1851

Mortgage

Document Number	0000001183
Date	Sep 2, 2021
Instrument	2021090201183

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	192 SADDLE CT, GALT, CA 95632-1851
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 SADDLE CT, GALT, CA 95632-1851

Mortgage

Document Number	2021090201183
Date	Sep 2, 2021
Instrument	2021090201183

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	192 SADDLE CT, GALT, CA 95632-1851
Document Number	2003090775
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Mar 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	192 SADDLE CT GALT CA 956321851, GALT, CA 95632-1851

Mortgage

Document Number	2003090775
Date	Mar 9, 2020
Instrument	2003090775

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 29, 2018
Property Address	192 SADDLE CT, GALT, CA 95632-1851
Document Number	1803291443
Instrument Date	Mar 14, 2018
Instrument	1803291443
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.50
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	192 SADDLE CT GALT CA 956321851, GALT, CA 95632-1851

Mortgage

Document Number	1803291444
Date	Mar 29, 2018
Instrument	1803291444

Lender

Name	AMERICAN PACIFIC MTG-TEHACHAPI
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 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		$377,185 (+2%) Land $81,238 Building $295,947
2025	$4,171.00 (+4.54%) Homeowner's exemption	$369,791 (+4.04%) Land $79,646 Building $290,145
2024	$3,990.00 (+1.73%)
2023	$3,922.00 (+4.25%) Homeowner's exemption	$355,433 Land $76,554 Building $278,879
2022	$3,762.00

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.

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