539 1st St, Galt, CA 95632 Property Records

Sacramento County property record for 539 1st St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1984
Lot Size	0.186 acres (8,105 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Aug 2014)
Tax Bill	$3,194 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0242-027-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0242-027-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,105 sqft (0.186 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	539 1ST ST
City	GALT
State	CA
Zip	95632-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	PARCEL MAP, LOT B
Legal Subdivision	PARCEL MAP
Legal Lot Number	B
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	4
Census Block	4015
Census Tract	9502

Owner

Source: Sacramento County records, as of September 3, 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	2 Individual Names on Record
Mailing Address	539 1ST ST, GALT, CA 95632-1801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 25, 2018	Deed of Trust, Mortgage · Conventional with PMI MAJESTIC HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2014 · Amount on Record
Deed Sale	Aug 14, 2014 · Amount on Record
Prior Sale	Apr 27, 2012 · Amount on Record
Deed Book / Page	20140814 / 683
Prior Transfer Date	Jan 10, 2012
Prior Transfer Doc	0000000160
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	539 1ST ST, GALT, CA 95632-1801
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 1ST ST, GALT, CA 95632-1801

Mortgage

Document Number	0000000274
Date	May 27, 2022
Instrument	2022052700274

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	539 1ST ST, GALT, CA 95632-1801
Document Number	1806040222
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	539 1ST ST GALT CA 956321801, GALT, CA 95632-1801

Mortgage

Document Number	1806040222
Date	Jun 4, 2018
Instrument	1806040222

Lender

Name	MAJESTIC HM LNS
Type	Funding / Finance Company
Address	ONTARIO, CA 91761

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

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		$290,526 (+2%) Land $49,031 Building $241,495
2025	$3,194.00 (+4.55%) Homeowner's exemption	$284,830 (+4.04%) Land $48,070 Building $236,760
2024	$3,055.00 (+1.73%)
2023	$3,003.00 (+4.27%) Homeowner's exemption	$273,771 Land $46,204 Building $227,567
2022	$2,880.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 509 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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