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978 Lampard Way, Galt, CA, 95632

4beds
3baths
2,428sqft
$649,999
$268price/sqft
$4,601/moest. monthly cost
$184,040/yrincome needed

About This Home

If you're looking for a home with plenty of space inside and out, you have found it! The property boasts a 9,809 sf lot, and it sits on the corner, so the yard wraps around instead of stopping at a fence line. There's lawn, a patio set up for seating, and enough open ground for a pool. The side yard is gated and wide, concreted the full length, with room behind the gate for the boat and the RV. Neighbors on one side only. The back fence lines up with Marengo Ranch Elementary, McCaffrey Middle is just past it, and Liberty Ranch High is about a half mile out. School mornings are short here. Galt Community Park is a third of a mile down the road, with pickleball, basketball, tennis, sand volleyball, a ball field, and play structures. Inside is 2,428 square feet, four bedrooms and three full bathrooms, with one bedroom and one full bath on the ground floor, useful if stairs are a problem. Living and dining sit under vaulted ceilings, and the family room opens off the kitchen with a gas fireplace, so the cooking and the gathering happen in one space. The kitchen has an island, a wall oven, real counter space, and all new appliances. Upstairs is where the floor plan earns its keep. The oversized primary suite has a walk-in closet plus a second attached room the builder offered as an optional fifth bedroom, perfect for an office, a study, or your own gym. The primary bath has dual sinks, a separate shower, and a soaking tub under a new window. Buy with confidence. Inspections are done, repairs have been made, and the reports are available for your review. Recently replaced: central heat and air, water heater, spa, front door, primary bath window, fencing, backyard concrete, sliding glass door, and garage door opener. The alarm and security system is owned, no lease to take over. Three-car garage, tile roof, built in 1999 and well cared for since. A lot this size, in this pocket, with this much already updated, does not come up often. Come see it for yourself!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
Liberty Ranch High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Range Hood,Dishwasher,Microwave
  • Laundry features: Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Nook,Formal Area

Features

  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,428 sqft

Kitchen

  • Features: Pantry Closet,Granite Counters,Kitchen Island

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Tub

Master Bedroom

  • Features: Sitting Room,Walk-In Closet

Property

Details

  • Parcel number: 14808000250000
  • Zoning: RES
  • Special condition: Standard

Lot

  • Lot size: 9,809 sqft
  • Features: Auto Sprinkler F&R,Corner Lot

Parking

  • Total spaces: 8
  • Parking features: Attached,Boat,RV Access/Parking,Enclosed,Uncovered Parking Space
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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

  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Drought
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 $3,286$39,432
Home Insurance *$167$2,004
Property Taxes $628$7,536
Electricity $520$6,247
Total$4,601$55,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,748/yr
40% on housing$138,030/yr
45% on housing$122,693/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

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 95632$286
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
2026-07-29Listed for sale$649,999
2019-09-26Sold$492,000
2014-02-07Sold$350,000
2013-12-02Sold$274,100
1999-09-03Sold$203,500

For Sale by Agent

AgentCaleb O'Hara
BrokerageReal Broker Technologies

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