693 Summit Lakes Way, Galt, CA 95632 Property Records

Sacramento County property record for 693 Summit Lakes Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1990
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Trust Names on File
Last Sale	$249,000 (Aug 2013)
Tax Bill	$3,551 (2025)
Deeds & Mortgages	Jul 2026 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0480-003-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0480-003-0000`

Interior

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

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,500 sqft (0.149 acres)
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	693 SUMMIT LAKES WAY
City	GALT
State	CA
Zip	95632-3008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RIVER OAKS 01A, LOT 133
Legal Subdivision	RIVER OAKS 01A
Legal Lot Number	133
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1007
Census Tract	9410

Owner

693 Summit Lakes Way is owner-occupied and held in a trust since July 2026.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Trust Names on File
Mailing Address	693 SUMMIT LAKES WAY, GALT, CA 95632-3008
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable 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
Jul 27, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2013 · Amount on File
Deed Sale	Aug 16, 2013 · Amount on File
Prior Sale	Dec 13, 2002 · Amount on File
Deed Book / Page	20130816 / 1031
Last Transfer Date	Jul 27, 2026
Transfer Doc	2026000860
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 27, 2026
Property Address	693 SUMMIT LAKES WAY, GALT, CA 95632-3008
Document Number	2026000860
Book / Page	20260727 / 860
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 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 Revocable Trust

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	693 SUMMIT LAKES WAY, GALT, CA 95632-3008
Document Number	2011040931
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	TITLE CONNECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	693 SUMMIT LAKES WAY GALT CA 956323008, GALT, CA 95632-3008

Mortgage

Document Number	2011040931
Date	Nov 4, 2020
Instrument	2011040931

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 693 Summit Lakes Way was $3,551 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		$311,331 (+2%) Land $50,009 Building $261,322
2025	$3,551.00 (+4.38%) Homeowner's exemption	$305,228 Land $49,029 Building $256,199
2024	$3,402.00 (+1.67%)
2023	$3,346.00 (+4.11%) Homeowner's exemption	$293,377 Land $47,126 Building $246,251
2022	$3,214.00

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

Flood

FEMA maps place 693 Summit Lakes Way in Zone X, an area of minimal flood risk.

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
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 693 Summit Lakes Way 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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