Sacramento County property record for 871 Bernal Rd, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,230 sqft · built 1992 |
| Lot Size | 0.219 acres (9,543 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (Jun 2022) |
| Tax Bill | $8,225 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0540-022-0000 |
| Primary APN | 150-0540-022-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,230 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| 2nd Floor Area | 1,018 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | H-Shape |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 9,543 sqft (0.219 acres) |
| Garage Area | 655 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 871 BERNAL RD |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-8369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | CREEKSIDE VLG 02, LOT 93 |
| Legal Subdivision | CREEKSIDE VLG 02 |
| Legal Lot Number | 93 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 9504 |
Source: Sacramento County records · APN 150-0540-022-0000
Assessment roll updated July 22, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Feb 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Nov 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 13, 2022 | Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 27, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on Record |
| Deed Sale | Jun 13, 2022 · Amount on Record |
| Prior Sale | Sep 21, 2011 · Amount on Record |
| Deed Book / Page | 20220613 / 821 |
| Prior Transfer Date | Jun 15, 2015 |
| Prior Transfer Doc | 0000001742 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF SACRAMENTO |
| Name | Verified Name |
|---|---|
| Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Document Number | 0000001255 |
|---|---|
| Date | Feb 05, 2021 |
| Instrument | 202102051255 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2023 |
| Name | Verified Name |
|---|---|
| Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Document Number | 0000000303 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | 202311150303 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Jul 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jun 13, 2022 |
| Property Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Document Number | 0000000821 |
| Map Reference | MB 219 MAP 1 |
| Instrument Date | Jun 08, 2022 |
| Instrument | 2022061300821 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2022 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Document Number | 0000000822 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 2022061300822 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 871 BERNAL RD, GALT, CA 95632-8369 |
| Document Number | 1710171166 |
| Instrument Date | Sep 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 871 BERNAL RD GALT CA 956328369, GALT, CA 95632-8369 |
| Document Number | 1710171166 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 1710171166 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 16, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $719,816 (+2%) Land $162,364 Building $557,452 | |
| 2025 | $8,225.00 (+4.4%) | $705,703 (+4.04%) Land $159,181 Building $546,522 |
| 2024 | $7,878.00 (+1.69%) | |
| 2023 | $7,747.00 (+103.49%) | $678,300 Land $153,000 Building $525,300 |
| 2022 | $3,807.00 |
Source: FEMA National Flood Hazard Layer as of September 29, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding Fixed Wireless | 400 / 50 |
| Softcom Internet Communications Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: Zinnia Networks.
Based on FCC filings for 267 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF GALT serves 26,536 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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