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642 Downing Dr, Galt, CA 95632 Property Records

Sacramento County property record for 642 Downing Dr, Galt, CA 95632

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,398 sqft · built 1992
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Tax Bill$3,416 (2025)
Deeds & MortgagesDec 2021 Mortgage
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN150-0430-016-0000

Property Details

APN / Parcel Number

Primary APN150-0430-016-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,398 sqft Living Area
1st Floor Area1,398 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleCustom Design
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Garage Area494 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address642 DOWNING DR
CityGALT
StateCA
Zip95632-2165
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1C
Legal DescriptionVINEYARDS, THE 01, LOT 16
Legal SubdivisionVINEYARDS, THE 01
Legal Lot Number16
JurisdictionSACRAMENTO CA
Township / Civil DivisionGALT
Census Block Group2
Census Block2004
Census Tract9501

Owner

Source: Sacramento County assessment roll, APN 150-0430-016-0000, as of July 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address642 DOWNING DR, GALT, CA 95632-2165
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT FUNDING INC
Dec 07, 2021Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 18, 2015
Deed SaleSep 18, 2015
Prior SaleMay 15, 2003 · Amount on Record
Deed Book / Page20150918 / 780
Prior Transfer DateSep 13, 2015
Prior Transfer Doc0000000780
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address642 DOWNING DR, GALT, CA 95632-2165
Transaction TypeMortgage
Record UpdatedDec 24, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 DOWNING DR, GALT, CA 95632-2165

Mortgage

Document Number0000000807
DateDec 13, 2021
Instrument2021121300807
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
AddressSACRAMENTO, CA 95815
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueDec 01, 2041

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address642 DOWNING DR, GALT, CA 95632-2165
Transaction TypeMortgage
Record UpdatedDec 20, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 DOWNING DR, GALT, CA 95632-2165

Mortgage

Document Number0000000929
DateDec 07, 2021
Instrument2021120700929
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
AddressSACRAMENTO, CA 95815
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueDec 01, 2041

Tax Assessment & Valuation

Source: Sacramento County assessment roll as of July 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySacramento County
MunicipalityGalt City
Elementary School DistrictGalt Joint Union Elementary School District (KG - 08)
Secondary School DistrictGalt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$310,212 (+2%) Land $66,468 Building $243,744
2025$3,416.00 (+4.53%) Homeowner's exemption$304,130 (+4.04%) Land $65,165 Building $238,965
2024$3,268.00 (+1.78%)
2023$3,211.00 (+4.25%) Homeowner's exemption$292,323 Land $62,636 Building $229,687
2022$3,080.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), as of September 29, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 65% of the US · lower than 79% of California
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 413 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
UnWired Broadband Holding
Fixed Wireless		1,000 / 1,000
Softcom Internet Communications
Fixed Wireless		400 / 50
Verizon
Fixed Wireless		300 / 20
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: California Internet, Zinnia Networks.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA3410011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF GALT
serves 26,536 people
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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