684 Summit Lakes Ct, Galt, CA 95632 Property Records

Sacramento County property record for 684 Summit Lakes Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,066 sqft · built 1990
Lot Size	0.206 acres (8,990 sqft)
Owner	2 Company Names on Record
Last Sale	$345,000 (Jun 2004)
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Jun 2026 Transfer Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0480-040-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0480-040-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
1st Floor Area	1,163 sqft
2nd Floor Area	903 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,990 sqft (0.206 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	684 SUMMIT LAKES CT
City	GALT
State	CA
Zip	95632-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RIVER OAKS 01A, LOT 189
Legal Subdivision	RIVER OAKS 01A
Legal Lot Number	189
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1008
Census Tract	9410

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 Company Names on Record
Mailing Address	684 SUMMIT LAKES CT, GALT, CA 95632-3015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2004 · Amount on Record
Deed Sale	Jun 30, 2004 · Amount on Record
Prior Sale	Jun 25, 1999 · Amount on Record
Deed Book / Page	20040630 / 549
Last Transfer Date	Apr 24, 2026
Transfer Doc	2026000794
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 5, 2026
Property Address	684 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	2026000794
Book / Page	20260605 / 794
Instrument Date	Apr 24, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	684 SUMMIT LAKES CT, GALT, CA 95632-3015
Investor	Possibly a Property Investor

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	684 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	2011120065
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Nov 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	684 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015

Mortgage

Document Number	2011120065
Date	Nov 12, 2020
Instrument	2011120065

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 11, 2030

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		$500,309 (+2%) Land $123,258 Building $377,051
2025	$5,681.00 (+4.41%) Homeowner's exemption	$490,500 (+4.04%) Land $120,842 Building $369,658
2024	$5,441.00 (+1.7%)
2023	$5,350.00 (+4.13%) Homeowner's exemption	$471,454 Land $116,150 Building $355,304
2022	$5,138.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 482 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 in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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