389 Gardenside Ct, Chico, CA 95973 Property Records

Butte County property record for 389 Gardenside Ct, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,332 sqft · built 1980
Lot Size	0.37 acres (16,117 sqft)
Owner	Company Name on Record
Tax Bill	$542 (2025)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Feb 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`007-400-021-000`

Property Details

APN / Parcel Number

Primary APN	`007-400-021-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	1,332 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Modern
Construction Type	Wood
Lot Area	16,117 sqft (0.37 acres)

Location & Zoning

Street Address	389 GARDENSIDE CT
City	CHICO
State	CA
Zip	95973-0366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ASR
Legal Description	LOT 25 WOODSIDE SUB
Legal Subdivision	WOODSIDE SUB
Legal Lot Number	25
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	3
Census Block	3001
Census Tract	201

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	Company Name on Record
Mailing Address	389 GARDENSIDE CT, CHICO, CA 95973-0366
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 2, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 11, 2022	Intrafamily Transfer, Transfer
May 14, 2018	Loan Modification, Mortgage · Line of Credit TRI COUNTIES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 8, 2022
Transfer Doc	0000023321
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	389 GARDENSIDE CT, CHICO, CA 95973-0366
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 GARDENSIDE CT, CHICO, CA 95973-0366

Mortgage

Document Number	0000012936
Date	Apr 12, 2022
Instrument	2022-0012936

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	389 GARDENSIDE CT, CHICO, CA 95973-0366
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 GARDENSIDE CT, CHICO, CA 95973-0366

Mortgage

Document Number	0000004573
Date	Feb 2, 2021
Instrument	2021-0004573

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.29%
Change Frequency	Annually

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTTE CA
Recording Date	Jul 11, 2022
Property Address	389 GARDENSIDE CT, CHICO, CA 95973-0366
Document Number	0000023321
Map Reference	MB 72 PG 44&45
Instrument Date	Jul 8, 2022
Instrument	2022-0023321
Transaction Type	Transfer
Record Updated	Jun 7, 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	Family Trust
Address	3S9 GARDENSIDE CT, CHICO, CA 95973

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BUTTE CA
Property Address	389 GARDENSIDE CT, CHICO, CA 95973-0366
Document Number	0000017129
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	BIDWELL TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	389 GARDENSIDE CT CHICO CA 959730366, CHICO, CA 95973-0366

Mortgage

Document Number	0000017129
Date	May 21, 2018
Instrument	17129

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	CHICO, CA 95927

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$224,524 (+2%) Land $104,596 Building $119,928
2025	$542.00 (-5.57%) Veteran's exemption	$220,123 (+4.04%) Land $102,546 Building $117,577
2024			$364,950
2023	$574.00 (-11.96%) Disabled Person's exemption Veteran's exemption	$211,577 Land $98,565 Building $113,012
2022	$652.00

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	4 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 242 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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

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