109 Echo Peak Ter, Chico, CA 95928 Property Records

Butte County property record for 109 Echo Peak Ter, Chico, CA 95928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,451 sqft · built 2003
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Nov 2023)
Tax Bill	$4,680 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-310-025-000`

Property Details

APN / Parcel Number

Primary APN	`018-310-025-000`
Alternative APNs	`011900025000` `018-310-025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,451 sqft Living Area
1st Floor Area	1,451 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	018-310-025
Street Address	109 ECHO PEAK TER
City	CHICO
State	CA
Zip	95928-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 YOSEMITE PLACE SUB
Legal Subdivision	YOSEMITE PLACE SUB
Legal Lot Number	21
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	4
Census Block	4004
Census Tract	904

Owner

Source: Butte County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 ECHO PEAK TER, CHICO, CA 95928-8428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Nov 17, 2023	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU
Mar 24, 2017	Grant Deed, Transfer MID-VALLEY TITLE AND ESCROW, MID-VALLEY TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	202330738
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	109 ECHO PEAK TER, CHICO, CA 95928-8428
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ECHO PEAK TER, CHICO, CA 95928-8428

Mortgage

Document Number	0000033666
Date	Dec 19, 2025
Instrument	2025-0033666

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Nov 17, 2023
Property Address	109 ECHO PEAK TER, CHICO, CA 95928-8428
Document Number	0000030738
Map Reference	MB 157 PG 1-8
Instrument Date	Nov 13, 2023
Instrument	2023-0030738
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VALLEY TITLE & ESCROW CO

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	109 ECHO PEAK TER, CHICO, CA 95928-8428

Mortgage

Document Number	0000030739
Date	Nov 17, 2023
Instrument	2023-0030739

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	12%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Mar 24, 2017
Property Address	109 ECHO PEAK TER, CHICO, CA 95928-8428
Document Number	0000010758
Instrument Date	Mar 23, 2017
Instrument	10758
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	MID-VALLEY TITLE AND ESCROW, MID-VALLEY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$289.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3264 SHADYBROOK LN CHICO CA 959283981, CHICO, CA 95928-3981

Tax Assessment & Valuation

Source: Butte County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Butte County
Municipality	Chico City
Unified School District	Chico Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,958 (+2%) Land $197,676 Building $213,282
2025	$4,680.00 (+38.95%) Homeowner's exemption	$402,900 (+37.33%) Land $193,800 Building $209,100
2024			$347,310
2023	$3,368.00 (+1.75%)	$293,378 Land $111,550 Building $181,828
2022	$3,310.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 30, 2022 · 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	3 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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect 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	CAL-WATER SERVICE CO.-CHICO private · serves 110,473 people · EPA ID CA0410002
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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