787 Twin Hills Dr, Galt, CA 95632 Property Records

Sacramento County property record for 787 Twin Hills Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,641 sqft · built 1997
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$467,000 (Aug 2026)
Tax Bill	$5,124 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`148-0610-020-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0610-020-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,641 sqft Living Area
1st Floor Area	1,221 sqft
Family Room	Family Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	787 TWIN HILLS DR
City	GALT
State	CA
Zip	95632-8147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	GRIZZLY HOLLOW 01, LOT 30
Legal Subdivision	GRIZZLY HOLLOW 01
Legal Lot Number	30
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	3
Census Block	3012
Census Tract	9410

Owner

787 Twin Hills Dr is owned by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 ROSSI DR, GALT, CA 95632-2302
Owner Type	Individual
Vesting	Unmarried Man

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
Aug 11, 2026	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
Nov 30, 2022	Grant Deed, Transfer · Conventional Mortgage BKCO MORTGAGE LLC
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
May 8, 2020	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK
Apr 12, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG
Apr 12, 2018	Quit Claim Deed, Transfer FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Nov 30, 2022 · Amount on File
Deed Document Number	2026
Deed Book / Page	20260811 / 692
Prior Transfer Date	Apr 10, 2018
Prior Transfer Doc	4120000001174
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 11, 2026
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	2026000692
Book / Page	20260811 / 692
Instrument Date	Aug 7, 2026
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,883.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 ROSSI DR, GALT, CA 95632-2302

Mortgage

Document Number	2026000693,
Date	Aug 11, 2026
Book Page	20260811/693

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	2026000694,
Date	Aug 11, 2026
Book Page	20260811/694

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2056

Interest

Rate	6.49%
Max Rate	-1%

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 30, 2022
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	0000001391
Map Reference	MB 211 MAP 9
Instrument Date	Nov 16, 2022
Instrument	2022113001391
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	787 TWIN HILLS DR, GALT, CA 95632-8147

Mortgage

Document Number	0000001392
Date	Nov 30, 2022
Instrument	2022113001392

Lender

Name	BKCO MORTGAGE LLC
Type	Non-Lending Institution

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	2005290253
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	787 TWIN HILLS DR GALT CA 956328147, GALT, CA 95632-8147

Mortgage

Document Number	2005290253
Date	May 29, 2020
Instrument	2005290253

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	2005290251
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	787 TWIN HILLS DR GALT CA 956328147, GALT, CA 95632-8147

Mortgage

Document Number	2005290251
Date	May 29, 2020
Instrument	2005290251

Lender

Name	FLAGSTAR BK
Type	Bank
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Interest

Rate	4%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 12, 2018
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	1804121173
Instrument Date	Apr 10, 2018
Instrument	1804121173
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	787 TWIN HILLS DR GALT CA 956328147, GALT, CA 95632-8147

Mortgage

Document Number	1804121175
Date	Apr 12, 2018
Instrument	1804121175

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Mortgage

Document Number	1804121176,
Date	Apr 12, 2018
Instrument	1804121176

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 12, 2018
Property Address	787 TWIN HILLS DR, GALT, CA 95632-8147
Document Number	1804121174
Instrument Date	Apr 10, 2018
Instrument	1804121174
Transaction Type	Transfer
Record Updated	Jun 1, 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
Relationship	Separate Estate/Property
Address	787 TWIN HILLS DR GALT CA 956328147, GALT, CA 95632-8147

Mortgage

Document Number	1804121176
Date	Apr 12, 2018
Instrument	1804121176

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 787 Twin Hills Dr was $5,124, 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		$445,707 (+2%) Land $148,569 Building $297,138
2025	$5,124.00 (+4.38%)	$436,968 Land $145,656 Building $291,312
2024	$4,909.00 (+1.68%)
2023	$4,828.00 (+29.33%)	$420,000 Land $140,000 Building $280,000
2022	$3,733.00

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

Flood

FEMA maps place 787 Twin Hills Dr 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	6 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 787 Twin Hills Dr 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 99.8% of the US · lower than 99.8% 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 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Softcom Internet Communications Fixed Wireless	400 / 50
unWired Broadband 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: Verizon.

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