Butte County property record for 2857 Lucy Way, Chico, CA 95973
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,243 sqft · built 2002 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Nov 2019) |
| Tax Bill | $4,669 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 016-100-031-000 |
| Primary APN | 016-100-031-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,243 sqft Living Area |
| 1st Floor Area | 2,243 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Wood |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 016-100-031 |
|---|---|
| Street Address | 2857 LUCY WAY |
| City | CHICO |
| State | CA |
| Zip | 95973-9166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 31 SUNWOOD ESTATES |
| Legal Subdivision | COUNTRY SQUARE ESTATES |
| Legal Lot Number | 31 |
| Jurisdiction | BUTTE CA |
| Township / Civil Division | CHICO |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 103 |
2857 Lucy Way is owned and occupied by two individuals who bought it in November 2019.
Source: Butte County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Nov 8, 2019 | Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2019 · Amount on File |
| Deed Sale | Nov 8, 2019 · Amount on File |
| Prior Sale | May 2, 2002 · Amount on File |
| Deed Document Number | 201949298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUTTE CA |
| Property Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Document Number | 0000032877 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 2025-0032877 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUTTE CA |
| Property Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2021 |
| Title Company | RIO VALLEY TITLE, MID VALLEY TITLE |
| Name | Verified Name |
|---|---|
| Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Document Number | 0000020791 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 2021-0020791 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BUTTE CA |
| Recording Date | Nov 8, 2019 |
| Property Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Document Number | 0000049298 |
| Map Reference | MB 149 PG 17&18 |
| Instrument Date | Nov 5, 2019 |
| Instrument | 2019-0049298 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | TIMIOS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2857 LUCY WAY, CHICO, CA 95973-9166 |
| Document Number | 0000049299 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | 2019-0049299 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 2857 Lucy Way was $4,669.
Source: Butte County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Butte County |
| Municipality | Chico City |
| Unified School District | Chico Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $411,754 (+2%) Land $206,940 Building $204,814 | ||
| 2025 | $4,669.00 | $403,682 Land $202,883 Building $200,799 | |
| 2024 | $627,750 | ||
| 2023 | $4,326.00 (+1.62%) | $388,007 Land $195,005 Building $193,002 | |
| 2022 | $4,257.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2857 Lucy Way in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 2857 Lucy Way is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| DigitalPath Fixed Wireless | 400 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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