461 F St, Galt, CA, 95632
About This Home
Meet Fern, a home with history, heart, and a gentle spirit, waiting to welcome her next family. This charming 2-bedroom (possible 3rd bedroom) home is centrally located in Galt, within walking distance of the local coffee shop, the Galt Flea Market, the Saturday farmers market, and all the parade routes that make this community so special. You're right in the middle of everything Galt has to offer. Inside, the kitchen has been completely updated, offering a fresh, modern feel while honoring the warmth and character this home has always carried. Thoughtful upgrades throughout give you the best of both worlds, move-in ready with the soul of a storied Galt classic. Outside, the spacious backyard offers room to relax, entertain, and make memories of your own. Finally, housing in Galt at an affordable price. Whether you're a first-time buyer or looking to plant deeper roots in this tight-knit community, Fern is your opportunity.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Foundation: Raised
- Roof: Composition
- Construction materials: Stucco,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Free-Standing Electric Oven
- Laundry features: Inside Room
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- Partial bathrooms: 1
Dining Room
- Features: Breakfast Nook,Bar
Features
- Flooring: Carpet,Laminate,Wood
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air,Wall Unit(s)
Interior Area
- Total interior livable area: 976 sqft
Kitchen
- Features: Breakfast Area,Stone Counters
Master Bathroom
- Features: Window
Property
Details
- Parcel number: 15002520200000
- Zoning description: r2
- Special condition: Standard
Features
- Fencing: Back Yard
Lot
- Lot size: 3,920 sqft
- Features: Shape Regular
Parking
- Total spaces: 1
- Parking features: RV Possible,Detached,See Remarks
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Earthquake
How This Home’s Risks Compare
FEMA Declared Disasters in Sacramento County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,972 | $23,664 |
| Home Insurance * | $100 | $1,200 |
| Property Taxes | $375 | $4,500 |
| Electricity | $398 | $4,786 |
| Total | $2,845 | $34,140 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-31 | Price change | $399,000 |
| 2026-02-28 | Listed for sale | $405,000 |
| 2021-09-10 | Sold | $340,000 |
| 2021-08-12 | Pending sale | $315,000 |
| 2021-08-05 | Listed for sale | $315,000 |
| 2018-09-15 | Listing removed | $265,000 |
| 2018-08-15 | Pending sale | $265,000 |
| 2018-07-11 | Listed for sale | $265,000 |
For Sale by Agent
View on Zillow