556 Bernier Cir, Galt, CA 95632 Property Records

Sacramento County property record for 556 Bernier Cir, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1992
Lot Size	0.149 acres (6,510 sqft)
Owner	2 Company Names on File
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`150-0410-030-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0410-030-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,510 sqft (0.149 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	556 BERNIER CIR
City	GALT
State	CA
Zip	95632-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	MITCHELL ESTATES, LOT 23
Legal Subdivision	MITCHELL ESTATES
Legal Lot Number	23
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1015
Census Tract	9410

Owner

556 Bernier Cir is owned by a company that acquired it in October 2004 and is owner-occupied.

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 Company Names on File
Mailing Address	556 BERNIER CIR, GALT, CA 95632-3133
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 15, 2023	Intrafamily Transfer, Transfer
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 10, 2019	Quit Claim Deed, Mortgage · FHA Mortgage AMERICAN FIN'L NTWK INC
Mar 9, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 22, 2004
Transfer Doc	0000001135
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 BERNIER CIR, GALT, CA 95632-3133

Mortgage

Document Number	0000000131
Date	Sep 29, 2022
Instrument	2022092900131

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 BERNIER CIR, GALT, CA 95632-3133
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001369
Date	Jun 29, 2021
Instrument	202106291369

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 15, 2023
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Document Number	0000000386
Map Reference	MB 220 MAP 12
Instrument Date	Dec 11, 2023
Instrument	202312150386
Transaction Type	Transfer
Record Updated	Dec 28, 2023

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	Living Trust
Address	556 BERNIER CIR, GALT, CA 95632-3133

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 BERNIER CIR, GALT, CA 95632-3133

Mortgage

Document Number	6290000001369
Date	Jun 29, 2021
Book Page	20210629/1369

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

October 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 10, 2019
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Document Number	1910100505
Instrument Date	Sep 27, 2019
Instrument	1910100505
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 BERNIER CIR GALT CA 956323133, GALT, CA 95632-3133

Mortgage

Document Number	1910110265
Date	Oct 10, 2019
Instrument	1910110265

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	556 BERNIER CIR, GALT, CA 95632-3133
Document Number	1803140988
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018
Title Company	BNT TITLE COMPANY/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	556 BERNIER CIR GALT CA 956323133, GALT, CA 95632-3133

Mortgage

Document Number	1803140988
Date	Mar 14, 2018
Instrument	1803140988

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 556 Bernier Cir was $2,399 with a homeowner's exemption, up 4.4% 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		$212,072 (+2%) Land $70,714 Building $141,358
2025	$2,399.00 (+4.4%) Homeowner's exemption	$207,915 Land $69,328 Building $138,587
2024	$2,298.00 (+1.73%)
2023	$2,259.00 (+4.1%) Homeowner's exemption	$199,843 Land $66,637 Building $133,206
2022	$2,170.00

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

Flood

FEMA maps place 556 Bernier Cir in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 in force

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 556 Bernier Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.01% 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 253 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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