231 Plains Ct, Galt, CA 95632 Property Records

Sacramento County property record for 231 Plains Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1989
Lot Size	0.378 acres (16,482 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (May 2024)
Tax Bill	$6,135 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-061-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-061-0000`

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 1989
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	16,482 sqft (0.378 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	231 PLAINS CT
City	GALT
State	CA
Zip	95632-1868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	REYNOLDS RANCH 03, LOT 136
Legal Subdivision	REYNOLDS RANCH 03
Legal Lot Number	136
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4013
Census Tract	9502

Owner

231 Plains Ct is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	231 PLAINS CT, GALT, CA 95632-1868
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
May 10, 2024	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Sep 5, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Prior Sale	Sep 5, 2018 · Amount on File
Deed Book / Page	20240510 / 556
Prior Transfer Date	Dec 17, 2021
Prior Transfer Doc	0000001115
Record Updated	Oct 29, 2026

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 10, 2024
Property Address	231 PLAINS CT, GALT, CA 95632-1868
Document Number	0000000556
Map Reference	MB 184 MAP 12
Instrument Date	May 7, 2024
Instrument	202405100556
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	231 PLAINS CT, GALT, CA 95632-1868
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000557
Date	May 10, 2024
Instrument	202405100557

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 23, 2021
Property Address	231 PLAINS CT, GALT, CA 95632-1868
Document Number	0000001115
Map Reference	MB 184 MAP 12
Instrument Date	Dec 17, 2021
Instrument	2021122301115
Transaction Type	Transfer
Record Updated	Jan 5, 2022
Title Company	STEWART TITLE, STEWART TITLE OF SACRAMENTO

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	231 PLAINS CT, GALT, CA 95632-1868

Mortgage

Document Number	0000001116
Date	Dec 23, 2021
Instrument	2021122301116

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	231 PLAINS CT, GALT, CA 95632-1868
Document Number	2003200154
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 PLAINS CT GALT CA 956321868, GALT, CA 95632-1868

Mortgage

Document Number	2003200154
Date	Mar 20, 2020
Instrument	2003200154

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 5, 2018
Property Address	231 PLAINS CT, GALT, CA 95632-1868
Document Number	1809050727
Instrument Date	Aug 22, 2018
Instrument	1809050727
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
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	231 PLAINS CT GALT CA 956321868, GALT, CA 95632-1868

Mortgage

Document Number	1809050728
Date	Sep 5, 2018
Instrument	1809050728

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 231 Plains Ct was $6,135 with a homeowner's exemption, up 41.4% 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		$551,412 (+2%) Land $130,050 Building $421,362
2025	$6,135.00 (+41.36%) Homeowner's exemption	$540,600 Land $127,500 Building $413,100
2024	$4,340.00 (+1.73%)
2023	$4,266.00 (+4.25%) Homeowner's exemption	$385,989 Land $80,413 Building $305,576
2022	$4,092.00

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

Flood

FEMA maps place 231 Plains 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 231 Plains 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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