722 Summit Lakes Way, Galt, CA 95632 Property Records

Sacramento County property record for 722 Summit Lakes Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,624 sqft · built 1990
Lot Size	0.132 acres (5,767 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Jun 2003)
Tax Bill	$3,877 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Jul 2021 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`150-0450-043-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0450-043-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
1st Floor Area	841 sqft
2nd Floor Area	783 sqft
Family Room	Family Room
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	5,767 sqft (0.132 acres)
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	722 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 71
Legal Subdivision	RIVER OAKS 01A
Legal Lot Number	71
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1002
Census Tract	9410

Owner

722 Summit Lakes Way is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	722 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
Jul 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Oct 6, 2020	Quit Claim Deed, Transfer UNITED WHOLESALE MTG
Feb 5, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2003 · Amount on File
Deed Sale	Jun 27, 2003 · Amount on File
Prior Sale	Jun 11, 1999 · Amount on File
Deed Book / Page	20030627 / 3241
Last Transfer Date	Oct 1, 2020
Transfer Doc	10060000001422
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012

Mortgage

Document Number	0000001018
Date	Jul 18, 2023
Instrument	202307181018

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 17, 2038

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012

Mortgage

Document Number	0000000093
Date	Jul 6, 2021
Instrument	202107060093

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012

Mortgage

Document Number	7060000000093
Date	Jul 6, 2021
Book Page	20210706/93

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2036

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 6, 2020
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	2010061422
Instrument Date	Oct 1, 2020
Instrument	2010061422
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	2010061423
Date	Oct 6, 2020
Instrument	2010061423

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 5, 2020
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	2002051291
Instrument Date	Jan 29, 2020
Instrument	2002051291
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	2002051292
Date	Feb 5, 2020
Instrument	2002051292

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	722 SUMMIT LAKES WAY, GALT, CA 95632-3012
Document Number	1906240778
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 SUMMIT LAKES WAY GALT CA 956323012, GALT, CA 95632-3012

Mortgage

Document Number	1906240778
Date	Jun 24, 2019
Instrument	1906240778

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 23, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 722 Summit Lakes Way was $3,877 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		$342,703 (+2%) Land $73,849 Building $268,854
2025	$3,877.00 (+4.42%) Homeowner's exemption	$335,984 Land $72,401 Building $263,583
2024	$3,713.00 (+1.7%)
2023	$3,651.00 (+4.14%) Homeowner's exemption	$322,940 Land $69,591 Building $253,349
2022	$3,506.00

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

Flood

FEMA maps place 722 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 722 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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