Sacramento County property record for 976 Bernal Rd, Galt, CA 95632 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,785 sqft · built 1986 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $378,500 (Jun 2015) |
| Tax Bill | $5,230 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-0101-062-0000 |
| Primary APN | 150-0101-062-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,785 sqft Living Area |
| 1st Floor Area | 1,395 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 56,628 sqft |
| Garage Area | 502 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 976 BERNAL RD |
|---|---|
| City | GALT |
| State | CA |
| Zip | 95632-8343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PCL D, PCL MAP BK 43 PG 18, EXC POR ALG ELY LN DEEDED TO COUNTYOF SACRAMENTO FOR R/W IN O.R. BK 89-12-15, PG 2083. CONTG |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | GALT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 9504 |
Source: Sacramento County records · APN 150-0101-062-0000
Assessment roll updated July 22, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 976 BERNAL RD, GALT, CA 95632-8343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2015 · Amount on Record |
| Deed Sale | Jun 30, 2015 · Amount on Record |
| Prior Sale | Jul 17, 2003 · Amount on Record |
| Deed Book / Page | 20150630 / 481 |
| Prior Transfer Date | May 05, 2004 |
| Prior Transfer Doc | 2004001715 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 976 BERNAL RD, GALT, CA 95632-8343 |
| Document Number | 2009210966 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 976 BERNAL RD GALT CA 956328343, GALT, CA 95632-8343 |
| Document Number | 2009210966 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 2009210966 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 20, 2035 |
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $463,990 (+2%) Land $169,169 Building $294,821 | |
| 2025 | $5,230.00 (+4.47%) | $454,893 (+4.04%) Land $165,852 Building $289,041 |
| 2024 | $5,006.00 (+1.73%) | |
| 2023 | $4,921.00 (+4.19%) | $437,230 Land $159,412 Building $277,818 |
| 2022 | $4,723.00 |
Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670095041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | Moderate above 52% of the US · above 31% of California |
|---|---|
| Wildfire Likelihood | About 1 in 694 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 267 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| UnWired Broadband Holding | Fixed Wireless (unlicensed) | 400 / 50 |
| Softcom Internet Communications | Fixed Wireless (licensed-by-rule) | 400 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| DigitalPath | Fixed Wireless | 200 / 20 |
| Cal.net | Fixed Wireless (licensed-by-rule) | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Zinnia Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.
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