296 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 296 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,071 sqft · built 1989
Lot Size	0.184 acres (8,025 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,464 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0420-027-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0420-027-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,071 sqft Living Area
1st Floor Area	1,763 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,025 sqft (0.184 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	296 EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	QUAIL HOLLOW 01 AMD, LOT 83
Legal Subdivision	QUAIL HOLLOW 01 AMD
Legal Lot Number	83
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2003
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	296 EMERALD OAK DR, GALT, CA 95632-2359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 23, 2019	Quit Claim Deed, Mortgage · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019
Deed Sale	Jul 23, 2019
Prior Sale	Oct 27, 2016 · Amount on Record
Deed Book / Page	20190723 / 915
Prior Transfer Date	Jul 17, 2019
Prior Transfer Doc	7230000000915
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	296 EMERALD OAK DR, GALT, CA 95632-2359
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMERALD OAK DR, GALT, CA 95632-2359

Mortgage

Document Number	0000000752
Date	Jun 1, 2022
Instrument	2022060100752

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	296 EMERALD OAK DR, GALT, CA 95632-2359
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMERALD OAK DR, GALT, CA 95632-2359

Mortgage

Document Number	0000001232
Date	Jun 23, 2021
Instrument	202106231232

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	296 EMERALD OAK DR, GALT, CA 95632-2359
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMERALD OAK DR, GALT, CA 95632-2359

Mortgage

Document Number	6230000001232
Date	Jun 23, 2021
Book Page	20210623/1232

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 23, 2019
Property Address	296 EMERALD OAK DR, GALT, CA 95632-2359
Document Number	1907230915
Instrument Date	Jul 17, 2019
Instrument	1907230915
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	OLD REPUBLIC 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	296 EMERAID OAK DR GALT CA 95632, GALT, CA 95632

Mortgage

Document Number	1907230916
Date	Jul 23, 2019
Instrument	1907230916

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

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		$414,321 (+2%) Land $94,699 Building $319,622
2025	$5,464.00 (+22.24%)	$406,198 (+4.04%) Land $92,843 Building $313,355
2024	$4,470.00 (+1.71%)
2023	$4,395.00 (+4.22%)	$390,427 Land $89,239 Building $301,188
2022	$4,217.00

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	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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