651 Downing Dr, Galt, CA 95632 Property Records

Sacramento County property record for 651 Downing Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,429 sqft · built 1992
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (May 2025)
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`150-0430-013-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0430-013-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,429 sqft Living Area
1st Floor Area	1,429 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	651 DOWNING DR
City	GALT
State	CA
Zip	95632-2167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	VINEYARDS, THE 01, LOT 13
Legal Subdivision	VINEYARDS, THE 01
Legal Lot Number	13
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2000
Census Tract	9501

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	651 DOWNING DR, GALT, CA 95632-2167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage KOK JIN YEO
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIGHTECHLENDING INC
Apr 28, 2021	Correction Deed OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Sep 16, 2020	Grant Deed, Transfer · Conventional Mortgage WELCH LIVING TRUST (LT)
Nov 19, 2019	Grant Deed, Transfer · Conventional with PMI BARTHOLEMY ALAN E JR L/TR (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Book / Page	20250512 / 676
Prior Transfer Date	Apr 21, 2021
Prior Transfer Doc	4280000000714
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	651 DOWNING DR, GALT, CA 95632-2167
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6530 OSCAR CIR, ELK GROVE, CA 95757-5985

Mortgage

Document Number	0000000014
Date	Oct 26, 2022
Instrument	2022102600014

Lender

Name	KOK JIN YEO
Type	Private Party
Address	1717 MARIGOLD CT, SAN JOSE, CA 95133

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	651 DOWNING DR, GALT, CA 95632-2167
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6530 OSCAR CIR, ELK GROVE, CA 95757-5985

Mortgage

Document Number	0000000715
Date	Apr 28, 2021
Instrument	202104280715

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 28, 2021
Property Address	651 DOWNING DR, GALT, CA 95632-2167
Document Number	0000000714
Map Reference	MB 910821 PG 1367
Instrument Date	Apr 21, 2021
Instrument	202104280714
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6530 OSCAR CIR, ELK GROVE, CA 95757-5985

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 16, 2020
Property Address	651 DOWNING DR, GALT, CA 95632-2167
Document Number	2009162125
Instrument Date	Sep 15, 2020
Instrument	2009162125
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6530 OSCAR CIR ELK GROVE CA 957575985, ELK GROVE, CA 95757-5985

Mortgage

Document Number	2009162126
Date	Sep 16, 2020
Instrument	2009162126

Lender

Name	WELCH LIVING TRUST (LT)
Address	196 KONA PL, SAN JOSE, CA 95119-1548

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 19, 2019
Property Address	651 DOWNING DR, GALT, CA 95632-2167
Document Number	1911190944
Instrument Date	Nov 7, 2019
Instrument	1911190944
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.50
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8521 BLOSSOM AVE DOS PALOS CA 936209658, DOS PALOS, CA 93620-9658

Mortgage

Document Number	1911190945
Date	Nov 19, 2019
Instrument	1911190945

Lender

Name	BARTHOLEMY ALAN E JR L/TR (LT)

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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		$525,300 (+29.41%) Land $127,500 Building $397,800
2025	$4,667.00 (+4.48%)	$405,910 (+4.04%) Land $97,418 Building $308,492
2024	$4,467.00 (+1.73%)
2023	$4,391.00 (+4.2%)	$390,150 Land $93,636 Building $296,514
2022	$4,214.00

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband 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: GeoLinks, Matrix Broadband.

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