965 Embleton Ct, Galt, CA 95632 Property Records

Sacramento County property record for 965 Embleton Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,428 sqft · built 2002
Lot Size	0.31 acres (13,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jun 2018)
Tax Bill	$6,651 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-0900-031-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0900-031-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area
1st Floor Area	1,408 sqft
2nd Floor Area	1,020 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	13,520 sqft (0.31 acres)
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	965 EMBLETON CT
City	GALT
State	CA
Zip	95632-3770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RIVER OAKS 02C, LOT 444
Legal Subdivision	RIVER OAKS 02C
Legal Lot Number	444
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	1
Census Block	1012
Census Tract	9409

Owner

Source: Sacramento County records, as of September 3, 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	965 EMBLETON CT, GALT, CA 95632-3770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Jun 21, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Prior Sale	Sep 10, 2002 · Amount on Record
Deed Book / Page	20180621 / 856
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	965 EMBLETON CT, GALT, CA 95632-3770
Document Number	2002130856
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	965 EMBLETON CT GALT CA 956323770, GALT, CA 95632-3770

Mortgage

Document Number	2002130856
Date	Feb 13, 2020
Instrument	2002130856

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 21, 2018
Property Address	965 EMBLETON CT, GALT, CA 95632-3770
Document Number	1806210856
Instrument Date	Jun 15, 2018
Instrument	1806210856
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	965 EMBLETON CT GALT CA 956323770, GALT, CA 95632-3770

Mortgage

Document Number	1806210857
Date	Jun 21, 2018
Instrument	1806210857

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	965 EMBLETON CT, GALT, CA 95632-3770
Document Number	1710131046
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	969 EMBLETON CT GALT CA 95632, GALT, CA 95632

Mortgage

Document Number	1710131046
Date	Oct 13, 2017
Instrument	1710131046

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

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		$580,288 (+2%) Land $104,450 Building $475,838
2025	$6,651.00 (+4.39%)	$568,910 (+4.04%) Land $102,402 Building $466,508
2024	$6,371.00 (-2.41%)
2023	$6,528.00 (+3.95%)	$546,821 Land $98,427 Building $448,394
2022	$6,280.00

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 AE, 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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