278 Plains Ct, Galt, CA 95632 Property Records

Sacramento County property record for 278 Plains Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,582 sqft · built 1989
Lot Size	0.199 acres (8,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,000 (Sep 2017)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-0400-051-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0400-051-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,582 sqft Living Area
1st Floor Area	1,582 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Wood Shingle
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,667 sqft (0.199 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Area	16,586 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	278 PLAINS CT
City	GALT
State	CA
Zip	95632-1867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	REYNOLDS RANCH 03, LOT 126
Legal Subdivision	REYNOLDS RANCH 03
Legal Lot Number	126
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4013
Census Tract	9502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 693, THORNTON, CA 95686-0693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · FHA Mortgage SUMMIT FUNDING INC
Sep 24, 2019	Deed of Trust, Mortgage · FHA Mortgage SUMMIT FNDG
Sep 13, 2017	Grant Deed, Transfer · FHA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2017 · Amount on Record
Deed Sale	Sep 13, 2017 · Amount on Record
Prior Sale	Nov 13, 2000 · Amount on Record
Deed Book / Page	20170913 / 1202
Prior Transfer Date	Mar 29, 2005
Prior Transfer Doc	0000000557
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	278 PLAINS CT, GALT, CA 95632-1867
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 PLAINS COURT, GALT, CA 95632

Mortgage

Document Number	0000001146
Date	Mar 25, 2022
Instrument	2022032501146

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95834

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	278 PLAINS CT, GALT, CA 95632-1867
Document Number	1909301991
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	278 PLAINS CT GALT CA 956321867, GALT, CA 95632-1867

Mortgage

Document Number	1909301991
Date	Sep 30, 2019
Instrument	1909301991

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 13, 2017
Property Address	278 PLAINS CT, GALT, CA 95632-1867
Document Number	1709131202
Instrument Date	Sep 12, 2017
Instrument	1709131202
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 693 THORNTON CA 956860693, THORNTON, CA 95686-0693

Mortgage

Document Number	1709131203
Date	Sep 13, 2017
Instrument	1709131203

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

Tax Assessment & Valuation

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		$373,701 (+2%) Land $81,238 Building $292,463
2025	$4,132.00 (+4.53%) Homeowner's exemption	$366,375 (+4.04%) Land $79,646 Building $286,729
2024	$3,953.00 (+1.75%)
2023	$3,885.00 (+4.24%) Homeowner's exemption	$352,150 Land $76,554 Building $275,596
2022	$3,727.00

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

Flood

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

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	0.02% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Softcom Internet Communications Fixed Wireless	400 / 50
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks.

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