720 Summit Lakes Way, Galt, CA 95632 Property Records

Sacramento County property record for 720 Summit Lakes Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,337 sqft · built 1990
Lot Size	0.13 acres (5,667 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Jun 2022)
Tax Bill	$6,175 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`150-0450-042-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0450-042-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,337 sqft Living Area
1st Floor Area	1,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,667 sqft (0.13 acres)
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	720 SUMMIT LAKES WAY
City	GALT
State	CA
Zip	95632-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RIVER OAKS 01A, LOT 70
Legal Subdivision	RIVER OAKS 01A
Legal Lot Number	70
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1002
Census Tract	9410

Owner

720 Summit Lakes Way is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 13, 2022	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 25, 2020	Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG
Jul 10, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Nov 1, 2018	Grant Deed, Transfer · VA Mortgage FLAGSTAR BK
Apr 9, 2018	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK/CO
Mar 17, 2018	Deed of Trust, Mortgage · Conventional with PMI MICHIGAN MUTUAL
Sep 11, 2017	Quit Claim Deed, Transfer Quitclaim
Aug 31, 2017	Quit Claim Deed, Mortgage · FHA Mortgage MIMUTUAL MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Nov 1, 2018 · Amount on File
Deed Book / Page	20220613 / 554
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	9110000000698
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 13, 2022
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	0000000554
Map Reference	MB 192 MAP 17
Instrument Date	Jun 8, 2022
Instrument	2022061300554
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012

Mortgage

Document Number	0000000555
Date	Jun 13, 2022
Instrument	2022061300555

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	2010060989
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	2010060989
Date	Oct 6, 2020
Instrument	2010060989

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1907150553
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1907150553
Date	Jul 15, 2019
Instrument	1907150553

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 1, 2018
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1811010035
Instrument Date	Oct 22, 2018
Instrument	1811010035
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1811010036
Date	Nov 1, 2018
Instrument	1811010036

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1804160842
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1804160842
Date	Apr 16, 2018
Instrument	1804160842

Lender

Name	TCF NAT'L BK/CO
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1803220747
Instrument Date	Mar 17, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1803220747
Date	Mar 22, 2018
Instrument	1803220747

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2048

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 11, 2017
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1709110698
Instrument Date	Aug 25, 2017
Instrument	1709110698
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

August 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2017
Property Address	720 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1708311026
Instrument Date	Aug 25, 2017
Instrument	1708311026
Transaction Type	Mortgage
Record Updated	Sep 11, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	720 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1708311027
Date	Aug 31, 2017
Instrument	1708311027

Lender

Name	MIMUTUAL MTG
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 720 Summit Lakes Way was $6,175 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		$546,628 (+2%) Land $135,304 Building $411,324
2025	$6,175.00 (+4.43%) Homeowner's exemption	$535,910 Land $132,651 Building $403,259
2024	$5,913.00 (+1.7%)
2023	$5,814.00 (+45.93%) Homeowner's exemption	$515,100 Land $127,500 Building $387,600
2022	$3,984.00

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

Flood

FEMA maps place 720 Summit Lakes Way 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 720 Summit Lakes Way is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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