Sacramento County property record for 685 Summit Lakes Ct, Galt, CA 95632 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 1990 |
| Lot Size | 0.221 acres (9,610 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Dec 2019) |
| Tax Bill | $4,946 (2025) |
| Deeds & Mortgages | Jul 2021 Second Mortgage Jul 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0480-039-0000 |
| Primary APN | 150-0480-039-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,634 sqft Living Area |
| 1st Floor Area | 1,634 sqft |
| Bonus Room | Bonus Room |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 9,610 sqft (0.221 acres) |
| Garage Area | 517 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 685 SUMMIT LAKES CT |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-3015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER OAKS 01A, LOT 183 |
| Legal Subdivision | RIVER OAKS 01A |
| Legal Lot Number | 183 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 9410 |
Source: Sacramento County records · APN 150-0480-039-0000
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 | Individual Name on File |
|---|---|
| Mailing Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jul 01, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING |
| Dec 31, 2019 | Grant Deed, Transfer · VA Mortgage MOVEMENT MTG |
| Oct 25, 2019 | Grant Deed, Transfer NORTH AMERICAN TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 31, 2019 · Amount on Record |
| Deed Sale | Dec 31, 2019 · Amount on Record |
| Prior Sale | Oct 25, 2019 · Amount on Record |
| Deed Book / Page | 20191231 / 1346 |
| Prior Transfer Date | Oct 15, 2001 |
| Prior Transfer Doc | 2001001975 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Document Number | 0000000778 |
|---|---|
| Date | Jul 01, 2021 |
| Instrument | 202107010778 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Document Number | 7010000000778 |
|---|---|
| Date | Jul 01, 2021 |
| Book Page | 20210701/778 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Document Number | 2009230564 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 685 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015 |
| Document Number | 2009230564 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2009230564 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Dec 31, 2019 |
| Property Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Document Number | 1912311346 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 1912311346 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015 |
| Document Number | 1912311347 |
|---|---|
| Date | Dec 31, 2019 |
| Instrument | 1912311347 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 30, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Oct 25, 2019 |
| Property Address | 685 SUMMIT LAKES CT, GALT, CA 95632-3015 |
| Document Number | 1910251082 |
| Instrument Date | Oct 22, 2019 |
| Instrument | 1910251082 |
| Transaction Type | Transfer |
| Record Updated | Nov 07, 2019 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $400.40 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215 |
| Investor | Possibly a Property Investor |
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 | $435,048 (+2%) Land $100,394 Building $334,654 | |
| 2025 | $4,946.00 (+4.41%) Homeowner's exemption | $426,519 (+4.04%) Land $98,426 Building $328,093 |
| 2024 | $4,737.00 (+1.7%) | |
| 2023 | $4,658.00 (+4.11%) Homeowner's exemption | $409,958 Land $94,605 Building $315,353 |
| 2022 | $4,474.00 |
Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670094101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 7% of the US · above 4% of California |
|---|---|
| Wildfire Likelihood | About 1 in 2,941 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 482 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| UnWired Broadband Holding | Fixed Wireless (unlicensed) | 400 / 50 |
| Softcom Internet Communications | Fixed Wireless (licensed-by-rule) | 400 / 50 |
| DigitalPath | Fixed Wireless | 200 / 20 |
| Cal.net | Fixed Wireless (licensed-by-rule) | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, AT&T, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.
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