432 Geranium Cir, Galt, CA 95632 Property Records

Sacramento County property record for 432 Geranium Cir, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,939 sqft · built 2007
Lot Size	0.23 acres (10,029 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (May 2022)
Tax Bill	$9,961 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-1070-021-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1070-021-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,939 sqft Living Area
1st Floor Area	1,903 sqft
2nd Floor Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	10,029 sqft (0.23 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	432 GERANIUM CIR
City	GALT
State	CA
Zip	95632-2057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SCHMIDT RANCH NO. 2, LOT 91
Legal Subdivision	SCHMIDT RANCH NO. 2
Legal Lot Number	91
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1015
Census Tract	9502

Owner

Source: Sacramento County records, 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 Record
Mailing Address	432 GERANIUM CIR, GALT, CA 95632-2057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 26, 2022	Grant Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Mar 30, 2020	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Mar 30, 2020 · Amount on Record
Deed Book / Page	20220526 / 825
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	432 GERANIUM CIR, GALT, CA 95632-2057
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 GERANIUM CIR, GALT, CA 95632-2057

Mortgage

Document Number	0000000100
Date	Apr 22, 2024
Instrument	202404220100

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 26, 2022
Property Address	432 GERANIUM CIR, GALT, CA 95632-2057
Document Number	0000000825
Map Reference	MB 347 PG 2
Instrument Date	May 20, 2022
Instrument	2022052600825
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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
Address	432 GERANIUM CIR, GALT, CA 95632-2057

Mortgage

Document Number	0000000826
Date	May 26, 2022
Instrument	2022052600826

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2020
Property Address	432 GERANIUM CIR, GALT, CA 95632-2057
Document Number	2003301006
Instrument Date	Mar 23, 2020
Instrument	2003301006
Transaction Type	Transfer
Record Updated	Apr 24, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
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	432 GERANIUM CIR GALT CA 956322057, GALT, CA 95632-2057

Mortgage

Document Number	2003301007
Date	Mar 30, 2020
Instrument	2003301007

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

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		$678,000 (-11.88%) Land $155,000 Building $523,000
2025	$9,961.00 (+4.29%) Homeowner's exemption	$769,375 (+4.04%) Land $164,487 Building $604,888
2024	$9,551.00 (+1.95%)
2023	$9,368.00 (+51.61%) Homeowner's exemption	$739,500 Land $158,100 Building $581,400
2022	$6,179.00

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	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 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.

Nearby Properties on Geranium Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures