3428 Penzance Ave, Chico, CA 95973 Property Records

Butte County property record for 3428 Penzance Ave, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$518,000 (Nov 2025)
Tax Bill	$5,007 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`006-860-099-000`

Property Details

APN / Parcel Number

Primary APN	`006-860-099-000`
Alternative APN	`006-860-099`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
1st Floor Area	1,522 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	006-860-099
Street Address	3428 PENZANCE AVE
City	CHICO
State	CA
Zip	95973-9661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 SCHILL SUB PH 4
Legal Subdivision	SCHILL SUB PH 4
Legal Lot Number	45
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	2
Census Block	2018
Census Tract	401

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	2 Individual Names on Record
Mailing Address	3428 PENZANCE AVE, CHICO, CA 95973-9661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Nov 10, 2025	Grant Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Jul 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	202530265
Prior Transfer Date	Jul 10, 2020
Prior Transfer Doc	0000027847
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	3428 PENZANCE AVE, CHICO, CA 95973-9661
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3428 PENZANCE AVE, CHICO, CA 95973-9661

Mortgage

Document Number	0000021200
Date	Aug 14, 2023
Instrument	2023-0021200

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	SANTA ANA, CA 92711

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Nov 10, 2025
Property Address	3428 PENZANCE AVE, CHICO, CA 95973-9661
Document Number	0000030265
Map Reference	MB 190 PG 6-10
Instrument Date	Nov 6, 2025
Instrument	2025-0030265
Transaction Type	Transfer
Record Updated	Dec 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
Relationship	Joint Tenants
Address	3428 PENZANCE AVE, CHICO, CA 95973-9661

Mortgage

Document Number	0000030266
Date	Nov 10, 2025
Instrument	2025-0030266

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

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

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTTE CA
Recording Date	Jul 15, 2020
Property Address	3428 PENZANCE AVE, CHICO, CA 95973-9661
Document Number	0000027847
Map Reference	MB 190 PG 6-10
Instrument Date	Jul 10, 2020
Instrument	2020-0027847
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	TIMIOS TITLE

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
Address	3428 PENZANCE AVE, CHICO, CA 95973-9661

Mortgage

Document Number	0000027848
Date	Jul 15, 2020
Instrument	2020-0027848

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$518,000 (+28.97%) Land $190,000 Building $328,000
2025	$5,007.00 (+8.61%)	$401,649 (+4.04%) Land $159,294 Building $242,355
2024			$459,900
2023	$4,610.00 (+2.47%)	$386,054 Land $153,109 Building $232,945
2022	$4,499.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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 97% of the US · lower than 97.8% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 598 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
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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