687 Summit Lakes Ct, Galt, CA 95632 Property Records

Sacramento County property record for 687 Summit Lakes Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,942 sqft · built 1990
Lot Size	0.182 acres (7,905 sqft)
Owner	Trust Name on File
Tax Bill	$3,565 (2025)
Deeds & Mortgages	Jan 2025 Second Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`150-0480-038-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0480-038-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,942 sqft Living Area
1st Floor Area	1,942 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,905 sqft (0.182 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Pool Area	20,900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	687 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 182
Legal Subdivision	RIVER OAKS 01A
Legal Lot Number	182
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1008
Census Tract	9410

Owner

687 Summit Lakes Ct is owner-occupied and held in a trust since December 2021.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 17, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Sep 3, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Sep 3, 2020	Quit Claim Deed, Transfer OTHER
Apr 19, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 13, 2021
Transfer Doc	2021001094
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015

Mortgage

Document Number	0000000218
Date	Jan 21, 2025
Instrument	202501210218

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2045

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 17, 2021
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	0000001094
Map Reference	MB 192 MAP 17
Instrument Date	Dec 13, 2021
Instrument	2021121701094
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015

Mortgage

Document Number	0000001095
Date	Dec 17, 2021
Instrument	2021121701095

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 17, 2021
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	0000001096
Map Reference	MB 192 MAP 17
Instrument Date	Dec 13, 2021
Instrument	2021121701096
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 3, 2020
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	2009031078
Instrument Date	Jun 27, 2020
Instrument	2009031078
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	687 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015

Mortgage

Document Number	2009031077
Date	Sep 3, 2020
Instrument	2009031077

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 2, 2035

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 3, 2020
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	2009031076
Instrument Date	Jun 27, 2020
Instrument	2009031076
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	687 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	687 SUMMIT LAKES CT, GALT, CA 95632-3015
Document Number	1904261054
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	687 SUMMIT LAKES CT GALT CA 956323015, GALT, CA 95632-3015

Mortgage

Document Number	1904261054
Date	Apr 26, 2019
Instrument	1904261054

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 687 Summit Lakes Ct was $3,565 with a homeowner's exemption, up 4.4% from the year before.

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		$312,564 (+2%) Land $73,570 Building $238,994
2025	$3,565.00 (+4.36%) Homeowner's exemption	$306,436 Land $72,128 Building $234,308
2024	$3,416.00 (+1.7%)
2023	$3,359.00 (+4.09%) Homeowner's exemption	$294,538 Land $69,328 Building $225,210
2022	$3,227.00

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

Flood

FEMA maps place 687 Summit Lakes Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 687 Summit Lakes Ct is low, with a 0.03% annual chance of 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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