Sacramento County property record for 56 Elm Ave, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,262 sqft · built 1989 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $510,000 (Mar 2025) |
| Tax Bill | $2,021 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148-0430-019-0000 |
| Primary APN | 148-0430-019-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| 1st Floor Area | 1,262 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Area | 10,200 sqft (0.234 acres) |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 32,500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 56 ELM AVE |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-2370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | MCFARLAND PLACE, LOT 19 |
| Legal Subdivision | MCFARLAND PLACE |
| Legal Lot Number | 19 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 9502 |
Source: Sacramento County records, as of July 22, 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 | 56 ELM AVE, GALT, CA 95632-2370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on Record |
| Deed Sale | Mar 12, 2025 · Amount on Record |
| Prior Sale | Feb 22, 2012 · Amount on Record |
| Deed Book / Page | 20250312 / 529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 56 ELM AVE, GALT, CA 95632-2370 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 56 ELM AVE, GALT, CA 95632-2370 |
| Document Number | 0000000606 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022082300606 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.1% |
Source: Sacramento County assessment roll, as of July 22, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $520,200 (+195.85%) Land $137,700 Building $382,500 | |
| 2025 | $2,021.00 (+4.44%) | $175,835 (+4.04%) Land $37,676 Building $138,159 |
| 2024 | $1,935.00 (+1.74%) | |
| 2023 | $1,902.00 (+4.22%) | $169,009 Land $36,214 Building $132,795 |
| 2022 | $1,825.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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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