344 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 344 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,175 sqft · built 1990
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (May 2013)
Tax Bill	$3,034 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-0410-064-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0410-064-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,175 sqft Living Area
1st Floor Area	2,175 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	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,700 sqft (0.2 acres)
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	344 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	TEALWOOD, LOT 32
Legal Subdivision	TEALWOOD
Legal Lot Number	32
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2003
Census Tract	9502

Owner

344 Emerald Oak Dr is owned and occupied by two individuals who bought it in May 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	344 EMERALD OAK DR, GALT, CA 95632-2360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESID'L MTG
Jun 24, 2019	Deed of Trust, Mortgage · Line of Credit CORPORATE AMERICA FAM CU
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEWFI LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2013 · Amount on File
Deed Sale	May 31, 2013 · Amount on File
Deed Book / Page	20130531 / 149
Prior Transfer Date	Oct 12, 2006
Prior Transfer Doc	0000001871
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 10, 2021
Property Address	344 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	0000001260
Map Reference	MB 195 MAP 5
Instrument Date	Jun 4, 2021
Instrument	202106101260
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	344 EMERALD OAK DR, GALT, CA 95632-2360

Mortgage

Document Number	0000001261
Date	Jun 10, 2021
Instrument	202106101261

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	344 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	2003101675
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	344 EMERALD OAK DR GALT CA 956322360, GALT, CA 95632-2360

Mortgage

Document Number	2003101675
Date	Mar 10, 2020
Instrument	2003101675

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	344 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	1909050255
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	344 EMERALD OAK DR GALT CA 956322360, GALT, CA 95632-2360

Mortgage

Document Number	1909050255
Date	Sep 5, 2019
Instrument	1909050255

Lender

Name	CORPORATE AMERICA FAM CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 4, 2039

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	344 EMERALD OAK DR, GALT, CA 95632-2360
Document Number	1712191939
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	344 EMERALD OAK DR GALT CA 956322360, GALT, CA 95632-2360

Mortgage

Document Number	1712191939
Date	Dec 19, 2017
Instrument	1712191939

Lender

Name	NEWFI LNDG
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 344 Emerald Oak Dr was $3,034 with a homeowner's exemption, 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		$276,321 (+2%) Land $62,798 Building $213,523
2025	$3,034.00 (+4.55%) Homeowner's exemption	$270,904 Land $61,567 Building $209,337
2024	$2,902.00 (+1.75%)
2023	$2,852.00 (+4.28%) Homeowner's exemption	$260,386 Land $59,177 Building $201,209
2022	$2,735.00

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

Flood

FEMA maps place 344 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

Wildfire risk around 344 Emerald Oak Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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