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686 Cedar Flat Ave, Galt, CA 95632 Property Records

Sacramento County property record for 686 Cedar Flat Ave, Galt, CA 95632 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1991
Square Footage1,942 sqft Living Area
Lot Size8,215 sqft (0.189 acres)
OccupancyOwner Occupied
Last Sale$212,500 (2001)
Tax Bill$3,648.00 (2025)

Property Details

APN / Parcel Number

Primary APN150-0500-019-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area1,942 sqft Living Area
1st Floor1,942 sqft 1st Floor
Family RoomFamily Room
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleCustom Design Style
Construction TypeWood Construction
Roof MaterialOther (not Classified) Roof
Lot Area8,215 sqft (0.189 acres)
Parking Spaces2 Parking Spaces
Garage Area430 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address686 CEDAR FLAT AVE
CityGALT
StateCA
Zip95632-3110
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRIVER OAKS 01B, LOT 186
Legal SubdivisionRIVER OAKS 01B
Legal Lot Number186
JurisdictionSACRAMENTO CA
Minor Civil DivisionGALT
Census Blockgroup1
Census Block1004
Census Tract9410

Owner

Source: Sacramento County records · APN 150-0500-019-0000

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 Record2 Individual Names on File
Mailing Address686 CEDAR FLAT AVE, GALT, CA 95632-3110
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 27, 2022Deed of Trust, Mortgage · Reverse Mortgage
AMERICAN ADVISORS GROUP
Jun 27, 2022Deed of Trust, Mortgage · Reverse Mortgage
AMERICAN ADVISORS GROUP
Feb 14, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Feb 14, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERICAN ADVISORS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 04, 2001 · Amount on Record
Deed SaleDec 04, 2001 · Amount on Record
Deed Book / Page20011204 / 2111
Prior Transfer DateSep 12, 2001
Prior Transfer Doc2001002110
Record RefreshedSep 20, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address686 CEDAR FLAT AVE, GALT, CA 95632-3110
Transaction TypeMortgage
Record UpdatedJul 05, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 CEDAR FLAT AVE, GALT, CA 95632-3110

Mortgage

Document Number0000000401
DateJun 27, 2022
Instrument2022062700401
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
AddressIRVINE, CA 92612
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term889 Months
DueJul 26, 2096
Interest
Rate TypeAdjustable Rate
Rate4.68%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateAug 01, 2022
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).
Index1-Year CMT
Max Rate9.68%

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address686 CEDAR FLAT AVE, GALT, CA 95632-3110
Transaction TypeMortgage
Record UpdatedJul 05, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 CEDAR FLAT AVE, GALT, CA 95632-3110

Mortgage

Document Number0000000400
DateJun 27, 2022
Instrument2022062700400
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
AddressIRVINE, CA 92612
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term889 Months
DueJul 26, 2096
Interest
Rate TypeAdjustable Rate
Rate4.68%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateAug 01, 2022
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).
Index1-Year CMT
Max Rate9.68%

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address686 CEDAR FLAT AVE, GALT, CA 95632-3110
Document Number1802230783
Instrument DateFeb 14, 2018
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address686 CEDAR FLAT AVE GALT CA 956323110, GALT, CA 95632-3110

Mortgage

Document Number1802230783
DateFeb 23, 2018
Instrument1802230783
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term936 Months
DueFeb 22, 2096
Interest
Rate TypeAdjustable Rate
Rate4.17%

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address686 CEDAR FLAT AVE, GALT, CA 95632-3110
Document Number1802230782
Instrument DateFeb 14, 2018
Transaction TypeMortgage
Record UpdatedMar 09, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address686 CEDAR FLAT AVE GALT CA 956323110, GALT, CA 95632-3110

Mortgage

Document Number1802230782
DateFeb 23, 2018
Instrument1802230782
Lender
NameAMERICAN ADVISORS
AddressORANGE, CA 92868
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term936 Months
DueFeb 22, 2096
Interest
Rate TypeAdjustable Rate
Rate4.17%

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySacramento County
MunicipalityGalt City
Elementary School DistrictGalt Joint Union Elementary School District (KG - 08)
Secondary School DistrictGalt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$320,182 (+2%) Land $75,331 Building $244,851
2025$3,648.00 (+4.38%) Homeowner's exemption$313,904 (+4.04%) Land $73,854 Building $240,050
2024$3,495.00 (+1.69%)
2023$3,437.00 (+4.09%) Homeowner's exemption$301,717 Land $70,987 Building $230,730
2022$3,302.00

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