223 Sterling Grove Dr, Galt, CA 95632 Property Records

Sacramento County property record for 223 Sterling Grove Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 1992
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2016)
Tax Bill	$6,423 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-0600-097-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0600-097-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,534 sqft Living Area
1st Floor Area	1,534 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	223 STERLING GROVE DR
City	GALT
State	CA
Zip	95632-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	QUAIL HOLLOW 03B, LOT 139
Legal Subdivision	QUAIL HOLLOW 03B
Legal Lot Number	139
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2008
Census Tract	9502

Owner

223 Sterling Grove Dr is owned and occupied by two individuals who bought it in September 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	223 STERLING GROVE DR, GALT, CA 95632-2433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 20, 2018	Loan Modification, Mortgage · Conventional Mortgage WFB NA
Feb 20, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2016 · Amount on File
Deed Sale	Sep 29, 2016 · Amount on File
Prior Sale	Mar 29, 2005 · Amount on File
Deed Book / Page	20160929 / 2020
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	223 STERLING GROVE DR, GALT, CA 95632-2433
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 STERLING GROVE DR, GALT, CA 95632-2433

Mortgage

Document Number	0000000273
Date	Jul 26, 2023
Instrument	202307260273

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Jun 1, 2063

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	223 STERLING GROVE DR, GALT, CA 95632-2433
Document Number	1803271582
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 STERLING GROVE DR GALT CA 956322433, GALT, CA 95632-2433

Mortgage

Document Number	1803271582
Date	Mar 27, 2018
Instrument	1803271582

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	223 STERLING GROVE DR, GALT, CA 95632-2433
Document Number	1804111530
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 STERLING GROVE DR GALT CA 956322433, GALT, CA 95632-2433

Mortgage

Document Number	1804111530
Date	Apr 11, 2018
Instrument	1804111530

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 223 Sterling Grove Dr was $6,423, up 58.5% 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		$355,131 (+2%) Land $94,699 Building $260,432
2025	$6,423.00 (+58.48%)	$348,169 Land $92,843 Building $255,326
2024	$4,053.00 (+1.63%)
2023	$3,988.00 (+3.94%)	$334,651 Land $89,239 Building $245,412
2022	$3,837.00

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

Flood

FEMA maps place 223 Sterling Grove Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1982–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 223 Sterling Grove Dr is low, with less than 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 652 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

May also be available: GeoLinks.

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