985 Posey St, Galt, CA 95632 Property Records

Sacramento County property record for 985 Posey St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,930 sqft · built 2021
Lot Size	0.062 acres (2,706 sqft)
Owner	Individual Name on Record
Last Sale	$424,000 (Jun 2021)
Tax Bill	$6,701 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-1190-047-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1190-047-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,930 sqft Living Area
1st Floor Area	856 sqft
2nd Floor Area	1,074 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	2,706 sqft (0.062 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	985 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 47, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	VERANDA AT RIVER OAKS
Legal Lot Number	47
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	Individual Name on Record
Mailing Address	985 POSEY ST, GALT, CA 95632-3538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jun 28, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Deed Book / Page	20210628 / 1577
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	985 POSEY ST, GALT, CA 95632-3538
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000000779
Date	Sep 22, 2022
Instrument	2022092200779

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

June 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 28, 2021
Property Address	985 POSEY ST, GALT, CA 95632-3538
Document Number	0000001577
Map Reference	MB 419 PG 10
Instrument Date	Jun 25, 2021
Instrument	202106281577
Transaction Type	Subdivision Related Transfer
Record Updated	May 15, 2026
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
Address	985 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000001578
Date	Jun 28, 2021
Instrument	202106281578

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$468,071 (+2%) Land $99,366 Building $368,705
2025	$6,701.00 (+4.12%)	$458,894 (+4.04%) Land $97,418 Building $361,476
2024	$6,436.00 (+2.13%)
2023	$6,302.00 (+4.49%)	$441,077 Land $93,636 Building $347,441
2022	$6,031.00

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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