224 Lois Ave, Galt, CA 95632 Property Records

Sacramento County property record for 224 Lois Ave, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1954
Lot Size	0.146 acres (6,367 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jul 2021)
Tax Bill	$5,260 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`150-0152-008-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0152-008-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,367 sqft (0.146 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	224 LOIS AVE
City	GALT
State	CA
Zip	95632-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	PULLENS TRACT, LOT 20
Legal Subdivision	PULLENS TRACT
Legal Lot Number	20
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2009
Census Tract	9503

Owner

224 Lois Ave is owned and occupied by two individuals who bought it in July 2021.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	224 LOIS AVE, GALT, CA 95632-1724
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
Mar 9, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 21, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 2, 2021	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Jan 25, 2017	Deed of Trust, Mortgage · Conventional with PMI FARMERS & MERCHANTS BK/CTRL CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Dec 30, 2014 · Amount on File
Deed Book / Page	20210702 / 1963
Prior Transfer Date	Jul 9, 2004
Prior Transfer Doc	2004002128
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOIS AVE, GALT, CA 95632-1724
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001409
Date	Mar 9, 2022
Instrument	2022030901409

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Aug 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOIS AVE, GALT, CA 95632-1724

Mortgage

Document Number	0000000829
Date	Feb 13, 2024
Instrument	202402130829

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Aug 1, 2051

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOIS AVE, GALT, CA 95632-1724

Mortgage

Document Number	0000000106
Date	Jan 22, 2025
Instrument	202501220106

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Aug 1, 2051

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOIS AVE, GALT, CA 95632-1724

Mortgage

Document Number	0000000762
Date	Jul 21, 2025
Instrument	202507210762

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Aug 1, 2051

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 23, 2026
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Document Number	2026000056
Book / Page	20260423 / 56
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	224 LOIS AVE, GALT, CA 95632-1724

Mortgage

Document Number	2026000056,
Date	Apr 23, 2026
Book Page	20260423/56

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 2, 2021
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Document Number	0000001963
Map Reference	MB 29 MAP 28
Instrument Date	Jun 29, 2021
Instrument	202107021963
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	224 LOIS AVE, GALT, CA 95632-1724
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001964
Date	Jul 2, 2021
Instrument	202107021964

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	224 LOIS AVE, GALT, CA 95632-1724
Document Number	0000001305
Book / Page	170201 / 001305
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Feb 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13965 CHRISTENSEN RD GALT CA 956328893, GALT, CA 95632-8893

Mortgage

Document Number	0000001305
Date	Feb 1, 2017
Book Page	170201/001305

Lender

Name	FARMERS & MERCHANTS BK/CTRL CA
Type	Bank
Address	LODI, CA 95241-1902

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 224 Lois Ave was $5,260 with a homeowner's exemption, up 22.3% 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		$405,910 (+2%) Land $124,478 Building $281,432
2025	$5,260.00 (+22.33%) Homeowner's exemption	$397,952 Land $122,038 Building $275,914
2024	$4,300.00 (+1.73%)
2023	$4,227.00 (+4.27%) Homeowner's exemption	$382,500 Land $117,300 Building $265,200
2022	$4,054.00

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

Flood

FEMA maps place 224 Lois Ave 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 224 Lois Ave 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 185 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
Verizon Fixed Wireless	300 / 20
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.

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