247 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 247 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,502 sqft · built 1989
Lot Size	0.198 acres (8,628 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Sep 2021)
Tax Bill	$5,673 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0430-001-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0430-001-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,502 sqft Living Area
1st Floor Area	1,502 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,628 sqft (0.198 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	247 EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	MCFARLAND PLACE, LOT 1
Legal Subdivision	MCFARLAND PLACE
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2009
Census Tract	9502

Owner

247 Emerald Oak Dr is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	247 EMERALD OAK DR, GALT, CA 95632-2323
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
May 10, 2022	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 16, 2021	Grant Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Nov 30, 2006 · Amount on File
Deed Document Number	20211419
Deed Book / Page	20210916 / 1419
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	247 EMERALD OAK DR, GALT, CA 95632-2323
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 EMERALD OAK DR, GALT, CA 95632-2323

Mortgage

Document Number	0000001021
Date	May 10, 2022
Instrument	2022051001021

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 16, 2021
Property Address	247 EMERALD OAK DR, GALT, CA 95632-2323
Document Number	2021091601419
Map Reference	MB 183 MAP 20
Instrument Date	Sep 14, 2021
Instrument	2021091601419
Transaction Type	Transfer
Record Updated	Sep 29, 2021
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	247 EMERALD OAK DR, GALT, CA 95632-2323

Mortgage

Document Number	2021091601420
Date	Sep 16, 2021
Instrument	2021091601420

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 247 Emerald Oak Dr was $5,673, 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		$503,328 (+2%) Land $108,242 Building $395,086
2025	$5,673.00 (+4.48%)	$493,460 Land $106,120 Building $387,340
2024	$5,430.00 (+1.7%)
2023	$5,339.00 (+4.22%)	$474,300 Land $102,000 Building $372,300
2022	$5,123.00

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

Flood

FEMA maps place 247 Emerald Oak 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

The area around 247 Emerald Oak Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 362 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: AT&T, Verizon.

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