991 1st St, Galt, CA 95632 Property Records

Sacramento County property record for 991 1st St, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1991
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Last Sale	$292,500 (Dec 2016)
Tax Bill	$3,822 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150-0440-057-0000`

Property Details

APN / Parcel Number

Primary APN	`150-0440-057-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	1,550 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,500 sqft (0.149 acres)
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	991 1ST ST
City	GALT
State	CA
Zip	95632-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	VINEYARDS, THE 01, LOT 94
Legal Subdivision	VINEYARDS, THE 01
Legal Lot Number	94
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2003
Census Tract	9501

Owner

991 1st St is owned and occupied by an individual who bought it in December 2016.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	991 1ST ST, GALT, CA 95632-2155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2016 · Amount on File
Deed Sale	Dec 13, 2016 · Amount on File
Deed Book / Page	20161213 / 1468
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	991 1ST ST, GALT, CA 95632-2155
Document Number	2010202145
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	991 1ST ST GALT CA 956322155, GALT, CA 95632-2155

Mortgage

Document Number	2010202145
Date	Oct 20, 2020
Instrument	2010202145

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 991 1st St was $3,822 with a homeowner's exemption, up 4.5% from the year before.

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		$346,253 (+2%) Land $100,619 Building $245,634
2025	$3,822.00 (+4.51%) Homeowner's exemption	$339,465 Land $98,647 Building $240,818
2024	$3,657.00 (+1.75%)
2023	$3,594.00 (+4.26%) Homeowner's exemption	$326,285 Land $94,817 Building $231,468
2022	$3,447.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 991 1st St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 991 1st St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 203 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 · Fixed Wireless in parts of the area	100 / 20