770 Morgans Ranch Cir, Galt, CA 95632 Property Records

Sacramento County property record for 770 Morgans Ranch Cir, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,363 sqft · built 1994
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Jun 2025)
Tax Bill	$7,247 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`148-0590-043-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0590-043-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,363 sqft Living Area
1st Floor Area	1,363 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	770 MORGANS RANCH CIR
City	GALT
State	CA
Zip	95632-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RANCHO SAN JON, LOT 96
Legal Subdivision	RANCHO SAN JON
Legal Lot Number	96
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2002
Census Tract	9410

Owner

770 Morgans Ranch Cir is owned by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	12697 GRATON RD, SEBASTOPOL, CA 95472-8926
Owner Type	Individual
Vesting	Sole Owner

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
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE RJH FAMILY TRUST
Oct 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage EDDY LUCAS
Mar 12, 2024	Deed of Trust, Mortgage · Construction Mortgage MILESTONE FINANCIAL LLC
Jul 11, 2022	Grant Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL
Jul 1, 2020	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2025 · Amount on File
Deed Sale	Jun 9, 2025 · Amount on File
Prior Sale	Jul 11, 2022 · Amount on File
Deed Book / Page	20250609 / 477
Prior Transfer Date	Dec 2, 2013
Prior Transfer Doc	0000001087
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111

Mortgage

Document Number	0000000770
Date	Dec 29, 2021
Instrument	2021122900770

Lender

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

Agreement

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

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 580488, ELK GROVE, CA 95758-0009

Mortgage

Document Number	0000000713
Date	Jul 6, 2023
Instrument	202307060713

Lender

Name	THE RJH FAMILY TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 580488, ELK GROVE, CA 95758-0009

Mortgage

Document Number	0000000759
Date	Oct 12, 2023
Instrument	202310120759

Lender

Name	EDDY LUCAS
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 BENTEEN WAY, GALT, CA 95632-3048

Mortgage

Document Number	0000000527
Date	Mar 12, 2024
Instrument	202403120527

Lender

Name	MILESTONE FINANCIAL LLC
Type	Funding / Finance Company
Address	LOS ALTOS, CA 94022

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 11, 2022
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Document Number	0000000566
Map Reference	MB 211 MAP 2
Instrument Date	Jul 8, 2022
Instrument	2022071100566
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount 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	770 MORGANS RANCH CIR, GALT, CA 95632-8111

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 1, 2020
Property Address	770 MORGANS RANCH CIR, GALT, CA 95632-8111
Document Number	2007011526
Instrument Date	Jun 19, 2020
Instrument	2007011526
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 MORGANS RANCH CIR GALT CA 956328111, GALT, CA 95632-8111

Mortgage

Document Number	2007011527
Date	Jul 1, 2020
Instrument	2007011527

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 770 Morgans Ranch Cir was $7,247, up 26.8% 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		$510,000 (+0.27%) Land $147,900 Building $362,100
2025	$7,247.00 (+26.76%)	$508,638 Land $150,858 Building $357,780
2024	$5,717.00 (-3.56%)
2023	$5,928.00 (+30.95%)	$488,888 Land $145,000 Building $343,888
2022	$4,527.00

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

Flood

FEMA maps place 770 Morgans Ranch Cir 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	5 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 770 Morgans Ranch Cir 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 472 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 DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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