964 Posey St, Galt, CA 95632 Property Records

Sacramento County property record for 964 Posey St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,542 sqft · built 2022
Lot Size	0.062 acres (2,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$461,000 (May 2022)
Tax Bill	$7,049 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-1190-015-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1190-015-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area
1st Floor Area	685 sqft
2nd Floor Area	857 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	2,706 sqft (0.062 acres)
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	964 POSEY ST
City	GALT
State	CA
Zip	95632-3538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	VERANDA AT RIVER OAKS, LOT 15, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	VERANDA AT RIVER OAKS
Legal Lot Number	15
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2014
Census Tract	9409

Owner

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	964 POSEY ST, GALT, CA 95632-3538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 26, 2022	Grant Deed, Subdivision Related Transfer · Conventional Mortgage EMPIRE OF AMERICAN CREDIT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Deed Book / Page	20220526 / 925
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	964 POSEY ST, GALT, CA 95632-3538
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000001885
Date	Dec 10, 2025
Instrument	202512101885

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	DALY CITY, CA 94014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 26, 2022
Property Address	964 POSEY ST, GALT, CA 95632-3538
Document Number	0000000925
Map Reference	MB 419 PG 10
Instrument Date	May 24, 2022
Instrument	2022052600925
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2022
Title Company	STEWART TITLE, STEWART TITLE OF SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	964 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000000926
Date	May 26, 2022
Instrument	2022052600926

Lender

Name	EMPIRE OF AMERICAN CREDIT CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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		$498,945 (+2%) Land $162,364 Building $336,581
2025	$7,049.00 (+4.14%)	$489,163 (+4.04%) Land $159,181 Building $329,982
2024	$6,769.00 (+2.1%)
2023	$6,630.00 (+131.58%)	$470,169 Land $153,000 Building $317,169
2022	$2,863.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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