Sacramento County property record for 909 Cottrell Ct, Galt, CA 95632
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,500 sqft · built 2004 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,000 (May 2010) |
| Tax Bill | $4,208 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148-1000-002-0000 |
| Primary APN | 148-1000-002-0000 |
|---|
| 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 |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Area | 8,625 sqft (0.198 acres) |
| Garage Area | 614 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 909 COTTRELL CT |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-3146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | RIVER OAKS 02D, LOT 540 |
| Legal Subdivision | RIVER OAKS 02D |
| Legal Lot Number | 540 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 9409 |
Source: Sacramento County records, as of September 16, 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 | 909 COTTRELL CT, GALT, CA 95632-3146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 9, 2026 | Deed of Trust, Mortgage · Line of Credit PATELCO CREDIT UNION |
| Feb 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2010 · Amount on Record |
| Deed Sale | May 17, 2010 · Amount on Record |
| Prior Sale | Feb 28, 2007 · Amount on Record |
| Deed Book / Page | 20100517 / 180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Sep 9, 2026 |
| Property Address | 909 COTTRELL CT, GALT, CA 95632-3146 |
| Document Number | 2026000955 |
| Book / Page | 20260909 / 955 |
| Instrument Date | Sep 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 909 COTTRELL CT, GALT, CA 95632-3146 |
| Document Number | 2026000955, |
|---|---|
| Date | Sep 9, 2026 |
| Book Page | 20260909/955 |
| Name | PATELCO CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 909 COTTRELL CT, GALT, CA 95632-3146 |
| Document Number | 1902270243 |
| Instrument Date | Feb 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2019 |
| Title Company | BNT TITLE COMPANY/CA, BNT TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 909 COTTRELL CT GALT CA 956323146, GALT, CA 95632-3146 |
| Document Number | 1902270243 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 1902270243 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 | $366,009 (+2%) Land $65,823 Building $300,186 | |
| 2025 | $4,208.00 (+4.34%) Homeowner's exemption | $358,833 (+4.04%) Land $64,533 Building $294,300 |
| 2024 | $4,033.00 (-4.81%) | |
| 2023 | $4,237.00 (+3.8%) Homeowner's exemption | $344,901 Land $62,028 Building $282,873 |
| 2022 | $4,082.00 |
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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