304 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 304 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,042 sqft · built 1989
Lot Size	0.184 acres (8,027 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Oct 2023)
Tax Bill	$6,487 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0420-026-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0420-026-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
1st Floor Area	1,092 sqft
2nd Floor Area	950 sqft
Family Room	Family 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	8,027 sqft (0.184 acres)
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	304 EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	QUAIL HOLLOW 01 AMD, LOT 82
Legal Subdivision	QUAIL HOLLOW 01 AMD
Legal Lot Number	82
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2003
Census Tract	9502

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2564 PARADISE DR, LODI, CA 95242-8326
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Oct 25, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Dec 29, 2017	Grant Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2023 · Amount on Record
Deed Sale	Oct 25, 2023 · Amount on Record
Prior Sale	Dec 29, 2017 · Amount on Record
Deed Book / Page	20231025 / 599
Last Transfer Date	Feb 12, 2025
Transfer Doc	2025000836
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	304 EMERALD OAK DR, GALT, CA 95632-2360
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 EMERALD OAK DR, GALT, CA 95632-2360

Mortgage

Document Number	0000000117
Date	Apr 14, 2023
Instrument	202304140117

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Feb 1, 2050

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 25, 2023
Property Address	304 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	0000000599
Map Reference	MB 182 MAP 2
Instrument Date	Oct 12, 2023
Instrument	202310250599
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	304 EMERALD OAK DR, GALT, CA 95632-2360

Mortgage

Document Number	0000000600
Date	Oct 25, 2023
Instrument	202310250600

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	304 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	2001311529
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 EMERALD OAK DR GALT CA 956322360, GALT, CA 95632-2360

Mortgage

Document Number	2001311529
Date	Jan 31, 2020
Instrument	2001311529

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 29, 2017
Property Address	304 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	1712291894
Instrument Date	Dec 27, 2017
Instrument	1712291894
Transaction Type	Transfer
Record Updated	Jan 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 EMERALD OAK DR GALT CA 956322360, GALT, CA 95632-2360

Mortgage

Document Number	1712291895
Date	Dec 29, 2017
Instrument	1712291895

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 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		$584,562 (+2.34%) Land $139,077 Building $445,485
2025	$6,487.00 (+4.51%)	$571,200 (+42.7%) Land $137,700 Building $433,500
2024	$6,207.00 (+37.78%)
2023	$4,505.00 (+4.19%)	$400,270 Land $87,490 Building $312,780
2022	$4,324.00

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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