1413 Spruce Ave, Chico, CA 95926 Property Records

Butte County property record for 1413 Spruce Ave, Chico, CA 95926

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 1989
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Dec 2010)
Tax Bill	$2,752 (2025)
Deeds & Mortgages	May 2019 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003-441-014-000`

Property Details

APN / Parcel Number

Primary APN	`003-441-014-000`
Alternative APN	`003-441-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modern
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	504 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	003-441-014
Street Address	1413 SPRUCE AVE
City	CHICO
State	CA
Zip	95926-3479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	1413 SPRUCE AVE
Legal Subdivision	CHICO VECINO
Legal Block	33
Legal Lot Number	2,3
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	2
Census Block	2006
Census Tract	700

Owner

1413 Spruce Ave is owned and occupied by two individuals who bought it in December 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	1413 SPRUCE AVE, CHICO, CA 95926-3479
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage ASSENT MORTGAGE LLC
Sep 23, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Nov 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage ASSENT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2010 · Amount on File
Deed Sale	Dec 10, 2010 · Amount on File
Prior Sale	Aug 18, 2010 · Amount on File
Deed Document Number	201044009
Prior Transfer Date	Oct 28, 1998
Prior Transfer Doc	0000048919
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1413 SPRUCE AVE, CHICO, CA 95926-3479
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022164
Date	May 3, 2019
Instrument	2019-0022164

Lender

Name	ASSENT MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1413 SPRUCE AVE, CHICO, CA 95926-3479
Document Number	0000040113
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	RIO VALLEY TITLE, MID VALLEY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1413 SPRUCE AVE CHICO CA 959263479, CHICO, CA 95926-3479

Mortgage

Document Number	0000040113
Date	Sep 28, 2020
Instrument	40113

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1413 SPRUCE AVE, CHICO, CA 95926-3479
Document Number	0000042588
Instrument Date	Nov 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1413 SPRUCE AVE CHICO CA 959263479, CHICO, CA 95926-3479

Mortgage

Document Number	0000042588
Date	Dec 4, 2017
Instrument	42588

Lender

Name	ASSENT INC
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1413 Spruce Ave was $2,752.

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		$241,747 (+2%) Land $124,139 Building $117,608
2025	$2,752.00	$237,007 Land $121,705 Building $115,302
2024			$359,280
2023	$2,467.00 (+1.69%) Homeowner's exemption	$227,806 Land $116,980 Building $110,826
2022	$2,426.00

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

Flood

FEMA maps place 1413 Spruce Ave in Zone X, an area of minimal flood risk.

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	2 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

The area around 1413 Spruce Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 550 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	2,000 / 250
Race Communications Fiber	1,000 / 1,000

May also be available: DigitalPath, GeoLinks, unWired Broadband, Verizon.

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