431 Sparrow Dr, Galt, CA 95632 Property Records

Sacramento County property record for 431 Sparrow Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 2007
Lot Size	0.23 acres (10,005 sqft)
Owner	Individual Name on File
Last Sale	$614,000 (Feb 2025)
Tax Bill	$8,255 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-1070-038-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1070-038-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,350 sqft Living Area
1st Floor Area	2,350 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	10,005 sqft (0.23 acres)
Garage Area	603 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	431 SPARROW DR
City	GALT
State	CA
Zip	95632-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SCHMIDT RANCH NO. 2, LOT 108
Legal Subdivision	SCHMIDT RANCH NO. 2
Legal Lot Number	108
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1022
Census Tract	9502

Owner

Source: Sacramento County assessment roll, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	431 SPARROW DR, GALT, CA 95632-2452
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 17, 2022	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
May 17, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC
Nov 5, 2021	Grant Deed, Transfer · Conventional Mortgage CASTLE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2025 · Amount on Record
Deed Sale	Feb 14, 2025 · Amount on Record
Prior Sale	May 17, 2022 · Amount on Record
Deed Book / Page	20250214 / 289
Transfer Doc	2021001818
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 18, 2026
Property Address	431 SPARROW DR, GALT, CA 95632-2452
Document Number	2026000714
Book / Page	20260618 / 714
Instrument Date	Jun 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SPARROW DR, GALT, CA 95632-2452

Mortgage

Document Number	2026000714,
Date	Jun 18, 2026
Book Page	20260618/714

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 17, 2022
Property Address	431 SPARROW DR, GALT, CA 95632-2452
Document Number	0000000840
Map Reference	MB 347 PG 2
Instrument Date	May 13, 2022
Instrument	2022051700840
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	431 SPARROW DR, GALT, CA 95632-2452

Mortgage

Document Number	0000000842
Date	May 17, 2022
Instrument	2022051700842

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	May 17, 2022
Property Address	431 SPARROW DR, GALT, CA 95632-2452
Document Number	0000000841
Map Reference	MB 347 PG 02
Instrument Date	May 13, 2022
Instrument	2022051700841
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

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
Address	431 SPARROW DR, GALT, CA 95632-2452

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 5, 2021
Property Address	431 SPARROW DR, GALT, CA 95632-2452
Document Number	2021110501819
Map Reference	MB 347 PG 2
Instrument Date	Nov 3, 2021
Instrument	2021110501819
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	431 SPARROW DR, GALT, CA 95632-2452

Mortgage

Document Number	2021110501820
Date	Nov 5, 2021
Instrument	2021110501820

Lender

Name	CASTLE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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		$626,280 (+2%) Land $158,100 Building $468,180
2025	$8,255.00 (-5.06%)	$614,000 (-6.67%) Land $155,000 Building $459,000
2024	$8,695.00 (+1.96%)
2023	$8,528.00 (+16.03%)	$657,900 Land $158,100 Building $499,800
2022	$7,350.00

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 Holding 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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