Sacramento County property record for 896 Cottrell Ct, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,500 sqft · built 2004 |
| Lot Size | 0.265 acres (11,543 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Mar 2011) |
| Tax Bill | $5,504 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 148-1000-007-0000 |
| Primary APN | 148-1000-007-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,500 sqft Living Area |
| 1st Floor Area | 2,500 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 11,543 sqft (0.265 acres) |
| Garage Area | 614 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 896 COTTRELL CT |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-3150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | RIVER OAKS 02D, LOT 545 |
| Legal Subdivision | RIVER OAKS 02D |
| Legal Lot Number | 545 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 9409 |
Source: Sacramento County records, as of July 22, 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 Record |
|---|---|
| Mailing Address | 896 COTTRELL CT, GALT, CA 95632-3150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Sep 6, 2019 | Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2011 · Amount on Record |
| Deed Sale | Mar 25, 2011 · Amount on Record |
| Prior Sale | Mar 12, 2004 · Amount on Record |
| Deed Book / Page | 20110325 / 1254 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 896 COTTRELL CT, GALT, CA 95632-3150 |
| Document Number | 2010301769 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 896 COTTRELL CT GALT CA 956323150, GALT, CA 95632-3150 |
| Document Number | 2010301769 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 2010301769 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 896 COTTRELL CT, GALT, CA 95632-3150 |
| Document Number | 1909170718 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 896 COTTRELL CT GALT CA 956323150, GALT, CA 95632-3150 |
| Document Number | 1909170718 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 1909170718 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Sacramento County assessment roll, as of July 22, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $473,794 (+2%) Land $85,806 Building $387,988 | |
| 2025 | $5,504.00 (+4.34%) | $464,505 (+4.04%) Land $84,124 Building $380,381 |
| 2024 | $5,275.00 (-3.37%) | |
| 2023 | $5,459.00 (+3.84%) | $446,469 Land $80,858 Building $365,611 |
| 2022 | $5,257.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 109 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 | 100 / 20 |
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