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10138 Spring St, Galt, CA, 95632

2beds
1baths
1,256sqft
$950,000
$756price/sqft
$6,387/moest. monthly cost
$255,480/yrincome needed

About This Home

Rare 12.82-acre opportunity inside Galt city limits, zoned Office-Professional (OP) following a 2020 rezoning positioning this site for long-term commercial/office use as the surrounding corridor continues to develop. A 1935-built single-family residence (1,256 sf, 2 bed/1 bath) sits on the site under a grandfathered residential use: it may continue to be occupied, but cannot be expanded, and no additional dwellings may be built without a variance. OP zoning permits a range of professional office, medical, retail, and service uses buyer to verify specific use with the City of Galt. Rectangular, level parcel with direct frontage on Spring St, offering convenient access to Highway 99 and the greater Sacramento corridor. A patient-capital hold for an investor or builder positioning ahead of anticipated municipal growth near Hwy 99. Buyer to independently verify zoning, permitted uses, and development feasibility with the City of Galt.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
7/10
Liberty Ranch High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Raised
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Free-Standing Electric Oven,Free-Standing Electric Range
  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Formal Area,Other

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Other
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,256 sqft

Kitchen

  • Features: Laminate Counters

Property

Details

  • Parcel number: 14800720010000
  • Zoning: OP
  • Special condition: Standard

Lot

  • Lot size: 12.82 Acres
  • Features: Shape Regular

Parking

  • Parking features: No Garage

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Sacramento County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,803$57,636
Home Insurance *$244$2,928
Property Taxes $942$11,304
Electricity $398$4,786
Total$6,387$76,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,982/yr
40% on housing$191,610/yr
45% on housing$170,320/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$756This listing

vs Other Active Listings

Avg $/sqft

ZIP 95632$283
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95632$314
Sacramento County$320

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-20Listed for sale$950,000

For Sale by Agent

AgentJaime Hayes
BrokerageKeller Williams Realty

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