178 Terrace Dr, Chico, CA 95926 Property Records

Butte County property record for 178 Terrace Dr, Chico, CA 95926

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,166 sqft · built 1953
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$402,000 (Oct 2025)
Tax Bill	$3,952 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`045-371-020-000`

Property Details

APN / Parcel Number

Primary APN	`045-371-020-000`
Alternative APN	`045-371-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,166 sqft Living Area
1st Floor Area	1,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Modern
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Old Parcel Number	045-371-020
Street Address	178 TERRACE DR
City	CHICO
State	CA
Zip	95926-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 84 UNIT 2 LONGFELLOW TERR
Legal Subdivision	LONGFELLOW TERRACE 02
Legal Lot Number	84
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	2
Census Block	2003
Census Tract	800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	258 CENTENNIAL AVE, CHICO, CA 95928-9125
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 14, 2025	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
May 8, 2019	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	May 8, 2019 · Amount on File
Deed Document Number	202527625
Prior Transfer Date	Nov 18, 2005
Prior Transfer Doc	0000072572
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	178 TERRACE DR, CHICO, CA 95926-1509
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 TERRACE DR, CHICO, CA 95926-1509

Mortgage

Document Number	0000011497
Date	Mar 11, 2021
Instrument	2021-0011497

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Oct 14, 2025
Property Address	178 TERRACE DR, CHICO, CA 95926-1509
Document Number	0000027625
Map Reference	MB 19 PG 39&40
Instrument Date	Oct 8, 2025
Instrument	2025-0027625
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	258 CENTENNIAL AVE, CHICO, CA 95928-9125

Mortgage

Document Number	0000027626
Date	Oct 14, 2025
Instrument	2025-0027626

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	May 8, 2019
Property Address	178 TERRACE DR, CHICO, CA 95926-1509
Document Number	0000023155
Map Reference	MB 19 PG 39&40
Instrument Date	May 6, 2019
Instrument	2019-0023155
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	TIMIOS TITLE

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	178 TERRACE DR, CHICO, CA 95926-1509

Mortgage

Document Number	0000023156
Date	May 8, 2019
Instrument	2019-0023156

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

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		$402,000 (+17.77%) Land $180,000 Building $222,000
2025	$3,952.00 (+7.98%)	$341,344 (+4.04%) Land $91,023 Building $250,321
2024			$344,880
2023	$3,660.00 (+1.64%)	$328,091 Land $87,490 Building $240,601
2022	$3,601.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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	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 576 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
DigitalPath Fixed Wireless	400 / 20

May also be available: AT&T, GeoLinks, T-Mobile, unWired Broadband, Verizon.

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