3224 Freshwater Crk, Chico, CA 95973 Property Records

Butte County property record for 3224 Freshwater Crk, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Sep 2025)
Tax Bill	$3,624 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`016-390-022-000`

Property Details

APN / Parcel Number

Primary APN	`016-390-022-000`
Alternative APN	`016-390-022`

Exterior

Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Old Parcel Number	016-390-022
Street Address	3224 FRESHWATER CRK
City	CHICO
State	CA
Zip	95973-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 323 MOUNTAIN VISTA SUB PH 3
Legal Subdivision	MOUNTAIN VISTA SUB PH 3
Legal Lot Number	323
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1010
Census Tract	103

Owner

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	Individual Name on Record
Mailing Address	3224 FRESHWATER CRK, CHICO, CA 95973-2120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 1, 2019	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 19, 2017	Grant Deed, Transfer · VA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	202523776
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Sep 5, 2025
Property Address	3224 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000023776
Map Reference	MB 188 PG 26-31
Instrument Date	Sep 3, 2025
Instrument	2025-0023776
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
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
Address	3224 FRESHWATER CRK, CHICO, CA 95973-2120

Mortgage

Document Number	0000023777
Date	Sep 5, 2025
Instrument	2025-0023777

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Oct 1, 2019
Property Address	3224 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000043466
Map Reference	MB 188 PG 26-31
Instrument Date	Sep 30, 2019
Instrument	2019-0043466
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	MID VALLEY TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
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	3224 FRESHWATER CRK, CHICO, CA 95973-2120

Mortgage

Document Number	0000043467
Date	Oct 1, 2019
Instrument	2019-0043467

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Oct 19, 2017
Property Address	3224 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000037254
Instrument Date	Oct 18, 2017
Instrument	37254
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	RIO VALLEY TITLE, MID VALLEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.65
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	3224 FRESHWATER CRK CHICO CA 959732120, CHICO, CA 95973-2120

Mortgage

Document Number	37256
Date	Oct 19, 2017
Instrument	37256

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

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		$505,000 (+57.85%) Land $190,000 Building $315,000
2025	$3,624.00 (+6.78%) Homeowner's exemption	$319,915 (+4.04%) Land $143,212 Building $176,703
2024	$3,394.00 (+1.22%)		$440,910
2023	$3,353.00 (+1.67%) Homeowner's exemption	$307,494 Land $137,651 Building $169,843
2022	$3,298.00

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	7 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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 742 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
DigitalPath Fixed Wireless	400 / 20
T-Mobile Fixed Wireless	100 / 20

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

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