Sacramento County property record for 642 Downing Dr, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,398 sqft · built 1992 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,416 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0430-016-0000 |
| Primary APN | 150-0430-016-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,398 sqft Living Area |
| 1st Floor Area | 1,398 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 642 DOWNING DR |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-2165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | VINEYARDS, THE 01, LOT 16 |
| Legal Subdivision | VINEYARDS, THE 01 |
| Legal Lot Number | 16 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 9501 |
Source: Sacramento County records · APN 150-0430-016-0000
Assessment roll updated 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 642 DOWNING DR, GALT, CA 95632-2165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC |
| Dec 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2015 |
| Deed Sale | Sep 18, 2015 |
| Prior Sale | May 15, 2003 · Amount on Record |
| Deed Book / Page | 20150918 / 780 |
| Prior Transfer Date | Sep 13, 2015 |
| Prior Transfer Doc | 0000000780 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 642 DOWNING DR, GALT, CA 95632-2165 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 642 DOWNING DR, GALT, CA 95632-2165 |
| Document Number | 0000000807 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021121300807 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 642 DOWNING DR, GALT, CA 95632-2165 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 642 DOWNING DR, GALT, CA 95632-2165 |
| Document Number | 0000000929 |
|---|---|
| Date | Dec 07, 2021 |
| Instrument | 2021120700929 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2041 |
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed 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 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Based on FCC filings for 413 locations within half a mile of this property.
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 System | CITY OF GALT serves 26,536 people |
|---|---|
| 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 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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