643 1st St, Galt, CA 95632 Property Records

Sacramento County property record for 643 1st St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,288 sqft · built 2003
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`150-0274-025-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0274-025-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	643 1ST ST
City	GALT
State	CA
Zip	95632-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PARCEL MAP, LOT B
Legal Subdivision	PARCEL MAP
Legal Lot Number	B
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2000
Census Tract	9501

Owner

Source: Sacramento County records, as of September 3, 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	643 1ST ST, GALT, CA 95632-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Quit Claim Deed, Transfer ASSET FIN'L CTR INC
Aug 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 17, 2005
Transfer Doc	0000001787
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 16, 2020
Property Address	643 1ST ST, GALT, CA 95632-2101
Document Number	2012161437
Instrument Date	Dec 10, 2020
Instrument	2012161437
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 1ST ST GALT CA 956322101, GALT, CA 95632-2101

Mortgage

Document Number	2012161438
Date	Dec 16, 2020
Instrument	2012161438

Lender

Name	ASSET FIN'L CTR INC
Address	SACRAMENTO, CA 95811

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 20, 2018
Property Address	643 1ST ST, GALT, CA 95632-2101
Document Number	1808200003
Instrument Date	Aug 8, 2018
Instrument	1808200003
Transaction Type	Transfer
Record Updated	Aug 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 1ST ST GALT CA 956322101, GALT, CA 95632-2101

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		$201,920 (+2%) Land $60,259 Building $141,661
2025	$2,276.00 (+4.5%)	$197,962 (+4.04%) Land $59,078 Building $138,884
2024	$2,178.00 (+1.73%)
2023	$2,141.00 (+4.18%)	$190,277 Land $56,785 Building $133,492
2022	$2,055.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 509 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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