3225 Freshwater Crk, Chico, CA 95973 Property Records

Butte County property record for 3225 Freshwater Crk, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,863 sqft · built 2017
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Trust Names on File
Last Sale	$495,000 (Nov 2022)
Tax Bill	$5,868 (2025)
Deeds & Mortgages	Oct 2023 Transfer Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`016-390-008-000`

Property Details

APN / Parcel Number

Primary APN	`016-390-008-000`
Alternative APN	`016-390-008`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,863 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	394 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	016-390-008
Street Address	3225 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 309 MOUNTAIN VISTA SUB PH 3
Legal Subdivision	MOUNTAIN VISTA SUB PH 3
Legal Lot Number	309
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1011
Census Tract	103

Owner

3225 Freshwater Crk is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Gift Deed, Transfer
Nov 4, 2022	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 9, 2020	Deed of Trust, Mortgage · Conventional with PMI SIERRA CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	May 9, 2017 · Amount on File
Deed Document Number	202235986
Last Transfer Date	Sep 28, 2023
Transfer Doc	0000027940
Record Updated	Oct 29, 2026

October 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BUTTE CA
Recording Date	Oct 18, 2023
Property Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000027940
Map Reference	MB 188 PG 26-31
Instrument Date	Sep 28, 2023
Instrument	2023-0027940
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Nov 4, 2022
Property Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000035986
Map Reference	MB 188 PG 26-31
Instrument Date	Oct 11, 2022
Instrument	2022-0035986
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	MID VALLEY TITLE AND ESCROW 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120

Mortgage

Document Number	0000035988
Date	Nov 4, 2022
Instrument	2022-0035988

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	1 Months
Due	Dec 1, 2022

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	3225 FRESHWATER CRK, CHICO, CA 95973-2120
Document Number	0000023368
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	RIO VALLEY TITLE, MID VALLEY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3225 FRESHWATER CRK CHICO CA 959732120, CHICO, CA 95973-2120

Mortgage

Document Number	0000023368
Date	Jun 15, 2020
Instrument	23368

Lender

Name	SIERRA CTRL CU
Type	Credit Union
Address	YUBA CITY, CA 95993

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3225 Freshwater Crk was $5,868 with a homeowner's exemption.

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		$525,297 (+2%) Land $191,017 Building $334,280
2025	$5,868.00 Homeowner's exemption	$514,998 Land $187,272 Building $327,726
2024			$486,810
2023	$5,438.00 (+32.63%) Homeowner's exemption	$495,000 Land $180,000 Building $315,000
2022	$4,100.00

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

Flood

FEMA maps place 3225 Freshwater Crk 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
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

Wildfire risk around 3225 Freshwater Crk is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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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