197 Stirrup Ct, Galt, CA 95632 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,171 sqft · built 1988
Lot Size	0.191 acres (8,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2017)
Tax Bill	$3,663 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0400-023-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-023-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,171 sqft Living Area
1st Floor Area	1,171 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,318 sqft (0.191 acres)
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	197 STIRRUP CT
City	GALT
State	CA
Zip	95632-1862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	REYNOLDS RANCH 02, LOT 98
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	98
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	197 STIRRUP CT, GALT, CA 95632-1862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 19, 2017	Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2017 · Amount on Record
Deed Sale	Sep 19, 2017 · Amount on Record
Prior Sale	Jul 21, 2011 · Amount on Record
Deed Book / Page	20170919 / 162
Prior Transfer Date	Jun 20, 2008
Prior Transfer Doc	0000000625
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	197 STIRRUP CT, GALT, CA 95632-1862
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 STIRRUP CT, GALT, CA 95632-1862
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000770
Date	Sep 9, 2022
Instrument	2022090900770

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 19, 2017
Property Address	197 STIRRUP CT, GALT, CA 95632-1862
Document Number	1709190162
Instrument Date	Aug 8, 2017
Instrument	1709190162
Transaction Type	Transfer
Record Updated	Sep 27, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
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	197 STIRUP CT GALT CA 956321862, GALT, CA 95632-1862

Mortgage

Document Number	1709190163
Date	Sep 19, 2017
Instrument	1709190163

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 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		$324,958 (+2%) Land $81,238 Building $243,720
2025	$3,663.00 (+4.48%)	$318,588 (+4.04%) Land $79,646 Building $238,942
2024	$3,506.00 (+1.71%)
2023	$3,447.00 (+4.2%)	$306,218 Land $76,554 Building $229,664
2022	$3,308.00

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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