3 River Oaks Dr, Chico, CA 95973 Property Records

Butte County property record for 3 River Oaks Dr, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,254 sqft · built 1989
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`015-160-043-000`

Property Details

APN / Parcel Number

Primary APN	`015-160-043-000`
Alternative APNs	`048270043000` `015-160-043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Building Area	1,254 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	015-160-043
Street Address	3 RIVER OAKS DR
City	CHICO
State	CA
Zip	95973-1089
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 LUPIN ACRES SUB
Legal Subdivision	LUPIN ACRES SUB
Legal Lot Number	11
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1002
Census Tract	104

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3 RIVER OAKS DR, CHICO, CA 95973-1089
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage DENNIS DEROMEDI PSP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 22, 2008
Transfer Doc	0000039373
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	3 RIVER OAKS DR, CHICO, CA 95973-1089
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	RIO VALLEY TITLE, MID VALLEY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RIVER OAKS DR, CHICO, CA 95973-1089

Mortgage

Document Number	0000019575
Date	Apr 29, 2021
Instrument	2021-0019575

Lender

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

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	3 RIVER OAKS DR, CHICO, CA 95973-1089
Document Number	0000005639
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VLY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3 RIVER OAKS DR CHICO CA 959731089, CHICO, CA 95973-1089

Mortgage

Document Number	0000005639
Date	Feb 8, 2017
Instrument	5639

Lender

Name	DENNIS DEROMEDI PSP
Address	492 E 3RD ST, CHICO, CA 95928-5409

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$185,201 (+2%) Land $83,048 Building $102,153
2025	$2,034.00 (+8.48%) Homeowner's exemption	$181,570 (+4.04%) Land $81,420 Building $100,150
2024			$361,980
2023	$1,875.00 (+1.79%) Homeowner's exemption	$174,521 Land $78,259 Building $96,262
2022	$1,842.00

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

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
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

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 623 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, unWired Broadband, Verizon.

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