278 Sparrow Dr, Galt, CA 95632 Property Records

Sacramento County property record for 278 Sparrow Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,776 sqft · built 1990
Lot Size	0.294 acres (12,813 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Mar 2011)
Tax Bill	$4,413 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0460-074-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0460-074-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,776 sqft Living Area
1st Floor Area	1,993 sqft
2nd Floor Area	502 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	12,813 sqft (0.294 acres)
Garage Area	571 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	278 SPARROW DR
City	GALT
State	CA
Zip	95632-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	QUAIL HOLLOW 02, LOT 93
Legal Subdivision	QUAIL HOLLOW 02
Legal Lot Number	93
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2016
Census Tract	9502

Owner

278 Sparrow Dr is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	278 SPARROW DR, GALT, CA 95632-2406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Nov 25, 2020	Deed of Trust, Mortgage · Line of Credit OPERATING ENGINEERS #3 FCU
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERGREEN MONEYSOURCE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2011 · Amount on File
Deed Sale	Mar 22, 2011 · Amount on File
Prior Sale	Sep 7, 2010 · Amount on File
Deed Book / Page	20110322 / 752
Prior Transfer Date	Aug 25, 2010
Prior Transfer Doc	0000000126
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	278 SPARROW DR, GALT, CA 95632-2406
Document Number	2012030415
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 SPARROW DR GALT CA 956322406, GALT, CA 95632-2406

Mortgage

Document Number	2012030415
Date	Dec 3, 2020
Instrument	2012030415

Lender

Name	OPERATING ENGINEERS #3 FCU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	278 SPARROW DR, GALT, CA 95632-2406
Document Number	2005260988
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 SPARROW DR GALT CA 956322406, GALT, CA 95632-2406

Mortgage

Document Number	2005260988
Date	May 26, 2020
Instrument	2005260988

Lender

Name	EVERGREEN MONEYSOURCE MTG
Type	Mortgage Company
Address	BELLEVUE, WA 98006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 278 Sparrow Dr was $4,413, 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		$391,507 (+2%) Land $78,402 Building $313,105
2025	$4,413.00 (+4.47%)	$383,831 Land $76,865 Building $306,966
2024	$4,224.00 (+17.66%)
2023	$3,590.00 (+4.21%)	$318,929 Land $73,881 Building $245,048
2022	$3,445.00

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

Flood

FEMA maps place 278 Sparrow 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 278 Sparrow Dr 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 95% of the US · lower than 97% 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 165 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: Verizon.

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