2640 Cactus Ave, Chico, CA 95973 Property Records

Butte County property record for 2640 Cactus Ave, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,247 sqft · built 1991
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (Mar 2018)
Tax Bill	$7,093 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2017 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`016-160-007-000`

Property Details

APN / Parcel Number

Primary APN	`016-160-007-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,247 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	21,344 sqft (0.489 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	2640 CACTUS AVE
City	CHICO
State	CA
Zip	95973-7608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2640 CACTUS AVE
Legal Subdivision	BIDWELL RHO 18TH
Legal Lot Number	35
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	2
Census Block	2006
Census Tract	103

Owner

Source: Butte County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit US BK
Mar 29, 2018	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jul 18, 2007 · Amount on Record
Deed Document Number	2018-0010627
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 CACTUS AVE, CHICO, CA 95973-7608

Mortgage

Document Number	0000043508
Date	Sep 29, 2021
Instrument	2021-0043508

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	MID VALLEY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034830
Date	Sep 28, 2017
Instrument	2017-0034830

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047238
Date	Oct 28, 2019
Instrument	2019-0047238

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 CACTUS AVE, CHICO, CA 95973-7608

Mortgage

Document Number	0000050751
Date	Dec 7, 2020
Instrument	2020-0050751

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Document Number	0000039246
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2640 CACTUS AVE CHICO CA 959737608, CHICO, CA 95973-7608

Mortgage

Document Number	0000039246
Date	Nov 8, 2018
Instrument	39246

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2048

Interest

Rate Type	Adjustable Rate

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Mar 29, 2018
Property Address	2640 CACTUS AVE, CHICO, CA 95973-7608
Document Number	0000010627
Map Reference	MB7 PG26
Instrument Date	Mar 26, 2018
Instrument	2018-0010627
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	MID VALLEY TITLE & ESCSROW C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	2640 CACTUS AVE, CHICO, CA 95973-7608

Mortgage

Document Number	0000010628
Date	Mar 29, 2018
Instrument	2018-0010628

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Butte County assessment roll, as of July 1, 2025

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
2025	$7,093.00 (+7.81%)	$614,421 (+4.04%) Land $182,050 Building $432,371
2023	$6,579.00 (+1.62%)	$590,565 Land $174,982 Building $415,583
2022	$6,474.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% 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 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, unWired Broadband.

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