1981 Bending Oak Way, Chico, CA 95928 Property Records

Butte County property record for 1981 Bending Oak Way, Chico, CA 95928

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,949 sqft · built 1998
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Apr 2026)
Tax Bill	$5,106 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`002-520-039-000`

Property Details

APN / Parcel Number

Primary APN	`002-520-039-000`
Alternative APN	`002-520-039`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,949 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modern
Construction Type	Wood
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	506 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	002-520-039
Street Address	1981 BENDING OAK WAY
City	CHICO
State	CA
Zip	95928-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 HERITAGE OAK SUB
Legal Subdivision	HERITAGE OAK
Legal Lot Number	39
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	3
Census Block	3006
Census Tract	903

Owner

1981 Bending Oak Way is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 5, 2025	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Apr 3, 2026	Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN
Apr 3, 2026	Grant Deed, Transfer · Conventional Mortgage HOME CAPITAL FUNDING INC
Nov 9, 2021	Intrafamily Transfer, Transfer
Apr 29, 2020	Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA
Jun 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2026 · Amount on File
Deed Sale	Apr 3, 2026 · Amount on File
Prior Sale	Feb 26, 2016 · Amount on File
Deed Document Number	20269673
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	0000049216
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321

Mortgage

Document Number	0000041986
Date	Sep 20, 2021
Instrument	2021-0041986

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321

Mortgage

Document Number	0000023534
Date	Sep 5, 2025
Instrument	2025-0023534

Lender

Name	BANNER BANK
Type	Bank
Address	CHICO, CA 95926

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BUTTE CA
Recording Date	Apr 3, 2026
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Document Number	0000009674
Instrument Date	Apr 2, 2026
Instrument	20269674
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Apr 3, 2026
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Document Number	0000009673
Instrument Date	Mar 25, 2026
Instrument	20269673
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,882.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009675,
Date	Apr 3, 2026
Instrument	20269675

Lender

Name	HOME CAPITAL FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTTE CA
Recording Date	Nov 9, 2021
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Document Number	0000049216
Map Reference	MB 138 PG 41-44
Instrument Date	Nov 1, 2021
Instrument	2021-0049216
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Document Number	0000018102
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1981 BENDING OAK WAY CHICO CA 959287321, CHICO, CA 95928-7321

Mortgage

Document Number	0000018102
Date	May 5, 2020
Instrument	18102

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	May 4, 2040

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	1981 BENDING OAK WAY, CHICO, CA 95928-7321
Document Number	0000030610
Instrument Date	Jun 4, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1981 BENDING OAK WAY CHICO CA 959287321, CHICO, CA 95928-7321

Mortgage

Document Number	0000030610
Date	Jul 1, 2019
Instrument	30610

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1981 Bending Oak Way was $5,106, up 6.6% from the year before.

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		$434,669 (+2%) Land $144,892 Building $289,777
2025	$5,106.00 (+6.57%) Homeowner's exemption	$426,147 Land $142,051 Building $284,096
2024	$4,791.00 (+1.89%)		$475,920
2023	$4,702.00 (+9.07%) Homeowner's exemption	$409,601 Land $136,536 Building $273,065
2022	$4,311.00

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

Flood

FEMA maps place 1981 Bending Oak Way 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	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

The area around 1981 Bending Oak Way 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 274 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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