203 Saddle Ct, Galt, CA 95632 Property Records

Sacramento County property record for 203 Saddle Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,019 sqft · built 1988
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Apr 2019)
Tax Bill	$3,959 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-007-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-007-0000`

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
Roof Material	Composition Shingle
Lot Area	7,802 sqft (0.179 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	203 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 82
Legal Subdivision	REYNOLDS RANCH 02
Legal Lot Number	82
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4013
Census Tract	9502

Owner

203 Saddle Ct is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	203 SADDLE CT, GALT, CA 95632-1863
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Affidavit of Death of Joint Tenant, Transfer · Line of Credit SCHOOLSFIRST FCU
Apr 9, 2019	Grant Deed, Transfer · Conventional Mortgage SCHOOLS FIN'L CU
Dec 20, 2017	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Book / Page	20190409 / 1233
Prior Transfer Date	Nov 17, 2004
Prior Transfer Doc	2004001647
Record Updated	Oct 29, 2026

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 25, 2024
Property Address	203 SADDLE CT, GALT, CA 95632-1863
Document Number	0000000318
Map Reference	MB 178 MAP 6
Instrument Date	Apr 19, 2024
Instrument	202404250318
Transaction Type	Transfer
Record Updated	May 8, 2024

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	203 SADDLE CT, GALT, CA 95632-1863

Mortgage

Document Number	0000000319
Date	Apr 25, 2024
Instrument	202404250319

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 9, 2019
Property Address	203 SADDLE CT, GALT, CA 95632-1863
Document Number	1904091233
Instrument Date	Apr 1, 2019
Instrument	1904091233
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
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	203 SADDLE CT GALT CA 956321863, GALT, CA 95632-1863

Mortgage

Document Number	1904091234
Date	Apr 9, 2019
Instrument	1904091234

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 20, 2017
Property Address	203 SADDLE CT, GALT, CA 95632-1863
Document Number	1712201584
Instrument Date	Dec 11, 2017
Instrument	1712201584
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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
Address	203 SADDLE CT GALT CA 956321863, GALT, CA 95632-1863

Mortgage

Document Number	1712201585
Date	Dec 20, 2017
Instrument	1712201585

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 203 Saddle Ct was $3,959 with a homeowner's exemption, up 4.5% 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		$358,410 (+2%) Land $85,334 Building $273,076
2025	$3,959.00 (+4.51%) Homeowner's exemption	$351,383 Land $83,661 Building $267,722
2024	$3,788.00 (+1.75%)
2023	$3,723.00 (+4.26%) Homeowner's exemption	$337,740 Land $80,413 Building $257,327
2022	$3,571.00

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

Flood

FEMA maps place 203 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 203 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.

Nearby Properties on Saddle Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures