286 Sparrow Dr, Galt, CA 95632 Property Records

Sacramento County property record for 286 Sparrow Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,815 sqft · built 1990
Lot Size	0.27 acres (11,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,500 (May 2010)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0460-075-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0460-075-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,815 sqft Living Area
1st Floor Area	1,815 sqft
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	11,780 sqft (0.27 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	286 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 94
Legal Subdivision	QUAIL HOLLOW 02
Legal Lot Number	94
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2016
Census Tract	9502

Owner

Source: Sacramento County records, as of September 3, 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	286 SPARROW DR, GALT, CA 95632-2406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL STATE CU
Nov 8, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2010 · Amount on Record
Deed Sale	May 3, 2010 · Amount on Record
Prior Sale	May 20, 2005 · Amount on Record
Deed Book / Page	20100503 / 786
Prior Transfer Date	May 12, 2005
Prior Transfer Doc	0000002842
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	286 SPARROW DR, GALT, CA 95632-2406
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 SPARROW DR, GALT, CA 95632-2406

Mortgage

Document Number	0000000873
Date	Oct 15, 2025
Instrument	202510150873

Lender

Name	CENTRAL STATE CU
Type	Credit Union
Address	STOCKTON, CA 95202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 8, 2018
Property Address	286 SPARROW DR, GALT, CA 95632-2406
Document Number	1811080571
Instrument Date	Oct 31, 2018
Instrument	1811080571
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	286 SPARROW DR GALT CA 956322406, GALT, CA 95632-2406

Mortgage

Document Number	1811080572
Date	Nov 8, 2018
Instrument	1811080572

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 7, 2033

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		$326,350 (+16.25%) Land $78,989 Building $247,361
2025	$3,147.00 (+4.55%) Homeowner's exemption	$280,737 (+4.04%) Land $77,441 Building $203,296
2024	$3,010.00 (+1.76%)
2023	$2,958.00 (+4.27%) Homeowner's exemption	$269,837 Land $74,435 Building $195,402
2022	$2,837.00

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 · 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

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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