928 Cottrell Way, Galt, CA 95632 Property Records

Sacramento County property record for 928 Cottrell Way, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,214 sqft · built 2004
Lot Size	0.211 acres (9,191 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Apr 2025)
Tax Bill	$6,714 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-0980-045-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0980-045-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,214 sqft Living Area
1st Floor Area	2,214 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	9,191 sqft (0.211 acres)
Garage Area	614 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	928 COTTRELL WAY
City	GALT
State	CA
Zip	95632-3149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RIVER OAKS 02D, LOT 525
Legal Subdivision	RIVER OAKS 02D
Legal Lot Number	525
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1009
Census Tract	9409

Owner

Source: Sacramento County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	928 COTTRELL WAY, GALT, CA 95632-3149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC
Mar 20, 2020	Grant Deed, Transfer · Conventional Mortgage PRIME LNDG
Feb 24, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2025 · Amount on Record
Deed Sale	Apr 23, 2025 · Amount on Record
Prior Sale	Mar 20, 2020 · Amount on Record
Deed Book / Page	20250423 / 1118
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	928 COTTRELL WAY, GALT, CA 95632-3149
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 COTTRELL WAY, GALT, CA 95632-3149

Mortgage

Document Number	0000001114
Date	Feb 25, 2026
Instrument	202602251114

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 20, 2020
Property Address	928 COTTRELL WAY, GALT, CA 95632-3149
Document Number	2003200814
Instrument Date	Mar 18, 2020
Instrument	2003200814
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	928 COTTRELL WAY GALT CA 956323149, GALT, CA 95632-3149

Mortgage

Document Number	2003200815
Date	Mar 20, 2020
Instrument	2003200815

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	928 COTTRELL WAY, GALT, CA 95632-3149
Document Number	0000000492
Book / Page	170428 / 000492
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	May 8, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 COTTRELL WAY GALT CA 956323149, GALT, CA 95632-3149

Mortgage

Document Number	0000000492
Date	Apr 28, 2017
Book Page	170428/000492

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$765,000 (+34.26%) Land $153,000 Building $612,000
2025	$6,714.00 (+4.37%)	$569,786 (+4.04%) Land $98,426 Building $471,360
2024	$6,433.00 (-2.06%)
2023	$6,568.00 (+3.94%)	$547,662 Land $94,605 Building $453,057
2022	$6,319.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.02% 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 449 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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