627 Elm Ave, Galt, CA 95632 Property Records

Sacramento County property record for 627 Elm Ave, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,494 sqft · built 1963
Lot Size	0.138 acres (6,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Nov 2024)
Tax Bill	$5,116 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-0344-009-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0344-009-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,494 sqft Living Area
1st Floor Area	500 sqft
2nd Floor Area	594 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,030 sqft (0.138 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	627 ELM AVE
City	GALT
State	CA
Zip	95632-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	W 60.3 FT OF S 100 FT OF LOT 52 OF CITY OF GALTIN VALLEY OAKS NO 2
Legal Subdivision	VALLEY OAKS #2
Legal Lot Number	52
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1000
Census Tract	9503

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	2 Individual Names on Record
Mailing Address	5504 ASPEN GROVE LN, ELK GROVE, CA 95757-8352
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 9, 2020	Deed of Trust, Mortgage · Conventional with PMI FINANCE OF AMERICA MTG
Dec 1, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2024 · Amount on Record
Deed Sale	Nov 21, 2024 · Amount on Record
Prior Sale	May 20, 2016 · Amount on Record
Deed Book / Page	20241121 / 834
Prior Transfer Date	May 3, 2004
Prior Transfer Doc	2004000215
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	627 ELM AVE, GALT, CA 95632-1607
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 ELM AVE, GALT, CA 95632-1607

Mortgage

Document Number	0000000369
Date	Sep 26, 2025
Instrument	202509260369

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	627 ELM AVE, GALT, CA 95632-1607
Document Number	2007141333
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	627 ELM AVE GALT CA 956321607, GALT, CA 95632-1607

Mortgage

Document Number	2007141333
Date	Jul 14, 2020
Instrument	2007141333

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	627 ELM AVE, GALT, CA 95632-1607
Document Number	1712060992
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	627 ELM AVE GALT CA 956321607, GALT, CA 95632-1607

Mortgage

Document Number	1712060992
Date	Dec 6, 2017
Instrument	1712060992

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

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		$453,900 (+2%) Land $122,400 Building $331,500
2025	$5,116.00 (+81.42%)	$445,000 (+80.65%) Land $120,000 Building $325,000
2024	$2,820.00 (+1.69%)
2023	$2,773.00 (+4.21%)	$246,335 Land $88,749 Building $157,586
2022	$2,661.00

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 13 policies
Nearby Flood Policies	13 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% 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 375 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 Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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