989 Posey St, Galt, CA 95632 Property Records

Sacramento County property record for 989 Posey St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,684 sqft · built 2020
Lot Size	0.07 acres (3,058 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Aug 2023)
Tax Bill	$7,171 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-1190-045-0000`

Property Details

APN / Parcel Number

Primary APN	`148-1190-045-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
1st Floor Area	707 sqft
2nd Floor Area	977 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	3,058 sqft (0.07 acres)
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	989 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 45, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	VERANDA AT RIVER OAKS
Legal Lot Number	45
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	989 POSEY ST, GALT, CA 95632-3538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 27, 2021	Grant Deed, Subdivision Related Transfer · VA Mortgage WEST COAST LENDING TEAM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2023 · Amount on Record
Deed Sale	Aug 24, 2023 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Deed Book / Page	20230824 / 926
Record Updated	Sep 20, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 24, 2023
Property Address	989 POSEY ST, GALT, CA 95632-3538
Document Number	0000000926
Map Reference	MB 419 PG 10
Instrument Date	Aug 22, 2023
Instrument	202308240926
Transaction Type	Transfer
Record Updated	Sep 4, 2023
Title Company	LENNAR TITLE

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	Tenants in Severalty
Address	989 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000000927
Date	Aug 24, 2023
Instrument	202308240927

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 27, 2021
Property Address	989 POSEY ST, GALT, CA 95632-3538
Document Number	0000001840
Map Reference	MB 419 PG 10
Instrument Date	Jul 21, 2021
Instrument	202107271840
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	989 POSEY ST, GALT, CA 95632-3538

Mortgage

Document Number	0000001841
Date	Jul 27, 2021
Instrument	202107271841

Lender

Name	WEST COAST LENDING TEAM
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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		$509,796 (+2%) Land $156,060 Building $353,736
2025	$7,171.00 (+4.14%)	$499,800 (+16.54%) Land $153,000 Building $346,800
2024	$6,886.00 (+99.88%)
2023	$3,445.00 (+0.73%)	$428,859 Land $91,800 Building $337,059
2022	$3,420.00

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	Not rated no burnable land within 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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