197 Saddle Ct, Galt, CA 95632 Property Records

Sacramento County property record for 197 Saddle Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1988
Lot Size	0.199 acres (8,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`148-0400-006-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-006-0000`

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
Roof Material	Composition Shingle
Lot Area	8,680 sqft (0.199 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	197 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 81
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	81
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4013
Census Tract	9502

Owner

197 Saddle Ct is owned by two individuals who acquired it in July 2003.

Source: Sacramento County records, as of September 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	924 COBDEN CT, GALT, CA 95632-3439
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 3, 2003
Transfer Doc	2003000262
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 15, 2022
Property Address	197 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000337
Map Reference	MB 178 MAP 6
Instrument Date	Dec 8, 2022
Instrument	2022121500337
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	PLACER TITLE COMPANY

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
Relationship	Joint Tenants
Address	197 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	0000000338
Date	Dec 15, 2022
Instrument	2022121500338

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 13, 2022
Property Address	197 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000592
Map Reference	MB 178 MAP 6
Instrument Date	Sep 9, 2022
Instrument	2022091300592
Transaction Type	Transfer
Record Updated	Sep 23, 2022

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	924 COBDEN CT, GALT, CA 95632-3439

Tax Assessment & Valuation

The 2025 property tax bill for 197 Saddle Ct was $2,090, up 4.4% from the year before.

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		$185,476 (+2%) Land $38,258 Building $147,218
2025	$2,090.00 (+4.45%)	$181,840 Land $37,508 Building $144,332
2024	$2,001.00 (+1.73%)
2023	$1,967.00	$174,780 Land $36,052 Building $138,728

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 197 Saddle Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 197 Saddle Ct is low, with a 0.01% annual chance of 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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