285 Silver Lake Dr, Chico, CA 95973 Property Records

Butte County property record for 285 Silver Lake Dr, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,921 sqft · built 1995
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$507,000 (May 2020)
Tax Bill	$6,492 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`006-600-018-000`

Property Details

APN / Parcel Number

Primary APN	`006-600-018-000`
Alternative APN	`006-600-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,921 sqft Living Area
1st Floor Area	1,921 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modern
Construction Type	Wood
Lot Area	9,148 sqft (0.21 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	006-600-018
Street Address	285 SILVER LAKE DR
City	CHICO
State	CA
Zip	95973-5808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 78 AMBER GROVE PHASE 2
Legal Subdivision	AMBER GROVE PHASE 1
Legal Lot Number	78
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1004
Census Tract	404

Owner

285 Silver Lake Dr is owned and occupied by two individuals who bought it in May 2020.

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	285 SILVER LAKE DR, CHICO, CA 95973-5808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 29, 2020	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Dec 7, 2018	Quit Claim Deed, Transfer MID VALLEY TITLE AND ESCROW COMPANY, MID VLY TITLE & ESCROW CO
Dec 6, 2018	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Nov 30, 2017	Intrafamily Transfer, Transfer · ARM FIREFIGHTERS FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Dec 6, 2018 · Amount on File
Deed Document Number	202021260
Prior Transfer Date	Dec 5, 2018
Prior Transfer Doc	0000040364
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	285 SILVER LAKE DR, CHICO, CA 95973-5808
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 SILVER LAKE DR, CHICO, CA 95973-5808

Mortgage

Document Number	0000030654
Date	Jul 8, 2021
Instrument	2021-0030654

Lender

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

Agreement

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

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	May 29, 2020
Property Address	285 SILVER LAKE DR, CHICO, CA 95973-5808
Document Number	0000021260
Instrument Date	May 19, 2020
Instrument	21260
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	RIO VALLEY TITLE, MID VALLEY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$558.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	285 SILVER LAKE DR CHICO CA 959735808, CHICO, CA 95973-5808

Mortgage

Document Number	21261
Date	May 29, 2020
Instrument	21261

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUTTE CA
Recording Date	Dec 7, 2018
Property Address	285 SILVER LAKE DR, CHICO, CA 95973-5808
Document Number	0000040364
Instrument Date	Dec 5, 2018
Instrument	40364
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VLY TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	285 SILVER LAKE DR CHICO CA 959735808, CHICO, CA 95973-5808

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Dec 6, 2018
Property Address	285 SILVER LAKE DR, CHICO, CA 95973-5808
Document Number	0000040070
Map Reference	MB 135 PG 13-18
Instrument Date	Dec 3, 2018
Instrument	2018-0040070
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	285 SILVER LAKE DR, CHICO, CA 95973-5808

Mortgage

Document Number	0000040071
Date	Dec 6, 2018
Instrument	2018-0040071

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTTE CA
Recording Date	Nov 30, 2017
Property Address	285 SILVER LAKE DR, CHICO, CA 95973-5808
Document Number	0000042333
Map Reference	MB135 PG13-18
Instrument Date	Nov 9, 2017
Instrument	2017-0042333
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	285 SILVER LAKE DR, CHICO, CA 95973-5808

Mortgage

Document Number	0000042334
Date	Nov 30, 2017
Instrument	2017-0042334

Lender

Name	FIREFIGHTERS FIRST CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	5-Year TN
Max Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 285 Silver Lake Dr was $6,492.

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		$565,562 (+2%) Land $184,057 Building $381,505
2025	$6,492.00	$554,474 Land $180,449 Building $374,025
2024			$572,040
2023	$6,024.00 (+1.59%)	$532,945 Land $173,443 Building $359,502
2022	$5,930.00

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

Flood

FEMA maps place 285 Silver Lake Dr 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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

Wildfire risk around 285 Silver Lake Dr is low, with less than 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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Race Communications Fiber	1,000 / 1,000
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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