23 Lower Lake Ct, Chico, CA 95928 Property Records

Butte County property record for 23 Lower Lake Ct, Chico, CA 95928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 1998
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Trust Names on File
Last Sale	$534,000 (Nov 2025)
Tax Bill	$6,215 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018-220-012-000`

Property Details

APN / Parcel Number

Primary APN	`018-220-012-000`
Alternative APN	`011140012000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
1st Floor Area	1,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	401 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	23 LOWER LAKE CT
City	CHICO
State	CA
Zip	95928-7334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SHASTAN HOMES BY THE LAKES PHASE 1
Legal Subdivision	SHASTAN HOMES BY LAKE PH 1
Legal Lot Number	4
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	2
Census Block	2003
Census Tract	904

Owner

23 Lower Lake Ct is owner-occupied and held in a trust since November 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	23 LOWER LAKE CT, CHICO, CA 95928-7334
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PIC CAPITAL INC
Nov 21, 2025	Grant Deed, Transfer · Conventional Mortgage ANCHOR FUNDING INC
Feb 23, 2022	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Jun 3, 2024 · Amount on File
Deed Document Number	202531240
Prior Transfer Date	Feb 23, 2007
Prior Transfer Doc	0000010350
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	23 LOWER LAKE CT, CHICO, CA 95928-7334
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 LOWER LAKE CT, CHICO, CA 95928-7334

Mortgage

Document Number	0000008450
Date	Feb 23, 2021
Instrument	2021-0008450

Lender

Name	PIC CAPITAL INC
Type	Mortgage Company
Address	CORONA, CA 92883

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Nov 21, 2025
Property Address	23 LOWER LAKE CT, CHICO, CA 95928-7334
Document Number	0000031240
Map Reference	MB 146 PG 4-7
Instrument Date	Nov 17, 2025
Instrument	2025-0031240
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VALLEY TITLE & ESCROW CO

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	Revocable Trust
Address	23 LOWER LAKE CT, CHICO, CA 95928-7334

Mortgage

Document Number	0000031241
Date	Nov 21, 2025
Instrument	2025-0031241

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

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

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Feb 23, 2022
Property Address	23 LOWER LAKE CT, CHICO, CA 95928-7334
Document Number	0000006070
Map Reference	MB 146 PG 4-7
Instrument Date	Feb 14, 2022
Instrument	2022-0006070
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VALLEY TITLE & ESCROW CO

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	Community Property with Right of Survivorship
Address	23 LOWER LAKE CT, CHICO, CA 95928-7334

Mortgage

Document Number	0000006071
Date	Feb 23, 2022
Instrument	2022-0006071

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	23 LOWER LAKE CT, CHICO, CA 95928-7334
Document Number	0000010926
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 LOWER LAKE CT CHICO CA 959287334, CHICO, CA 95928-7334

Mortgage

Document Number	0000010926
Date	Mar 10, 2020
Instrument	10926

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 9, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 23 Lower Lake Ct was $6,215.

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		$325,083 (-39.58%) Land $51,000 Building $274,083
2025	$6,215.00	$538,050 Land $193,800 Building $344,250
2024			$462,780
2023	$5,909.00 (+58.55%)	$530,400 Land $183,600 Building $346,800
2022	$3,727.00

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

Flood

FEMA maps place 23 Lower Lake Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	5 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2012 · tidal / storm surge

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

Wildfire risk around 23 Lower Lake Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 251 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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