323 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 323 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,803 sqft · built 1989
Lot Size	0.182 acres (7,936 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Feb 2026)
Tax Bill	$4,809 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0430-011-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0430-011-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,803 sqft Living Area
1st Floor Area	1,803 sqft
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	7,936 sqft (0.182 acres)
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	323 EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	MCFARLAND PLACE, LOT 11
Legal Subdivision	MCFARLAND PLACE
Legal Lot Number	11
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2009
Census Tract	9502

Owner

323 Emerald Oak Dr is owned and occupied by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	323 EMERALD OAK DR, GALT, CA 95632-2372
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Feb 27, 2026	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 28, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Apr 25, 2019	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Dec 7, 2018	Quit Claim Deed, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Apr 25, 2019 · Amount on File
Deed Book / Page	20260227 / 832
Prior Transfer Date	Mar 7, 2011
Prior Transfer Doc	0000000591
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 27, 2026
Property Address	323 EMERALD OAK DR, GALT, CA 95632-2372
Document Number	0000000832
Map Reference	MB 183 MAP 20
Instrument Date	Feb 19, 2026
Instrument	202602270832
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	323 EMERALD OAK DR, GALT, CA 95632-2372

Mortgage

Document Number	0000000833
Date	Feb 27, 2026
Instrument	202602270833

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	323 EMERALD OAK DR, GALT, CA 95632-2372
Document Number	2002030723
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 EMERALD OAK DR GALT CA 956322372, GALT, CA 95632-2372

Mortgage

Document Number	2002030723
Date	Feb 3, 2020
Instrument	2002030723

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 25, 2019
Property Address	323 EMERALD OAK DR, GALT, CA 95632-2372
Document Number	1904251129
Instrument Date	Apr 24, 2019
Instrument	1904251129
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
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	323 EMERALD OAK DR GALT CA 956322372, GALT, CA 95632-2372

Mortgage

Document Number	1904251130
Date	Apr 25, 2019
Instrument	1904251130

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

December 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 7, 2018
Property Address	323 EMERALD OAK DR, GALT, CA 95632-2372
Document Number	1812070148
Instrument Date	Nov 19, 2018
Instrument	1812070148
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	323 EMERALD OAK DR GALT CA 956322372, GALT, CA 95632-2372

Mortgage

Document Number	1812070149
Date	Dec 7, 2018
Instrument	1812070149

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 323 Emerald Oak Dr was $4,809, 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		$426,681 (+2%) Land $99,557 Building $327,124
2025	$4,809.00 (+4.48%)	$418,315 Land $97,605 Building $320,710
2024	$4,603.00 (+1.7%)
2023	$4,526.00 (+4.21%)	$402,073 Land $93,816 Building $308,257
2022	$4,343.00

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

Flood

FEMA maps place 323 Emerald Oak 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

The area around 323 Emerald Oak Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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