405 Cypress St, Chico, CA 95928 Property Records

Butte County property record for 405 Cypress St, Chico, CA 95928

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$409,000 (Mar 2026)
Tax Bill	$4,384 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-185-006-000`

Property Details

APN / Parcel Number

Primary APN	`004-185-006-000`
Alternative APN	`004-185-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1935
Architectural Style	Conventional
Construction Type	Wood
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Old Parcel Number	004-185-006
Street Address	405 CYPRESS ST
City	CHICO
State	CA
Zip	95928-5459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	405 CYPRESS ST
Legal Subdivision	JOHN BIDWELL RHO 13
Legal Block	9
Legal Lot Number	2,3
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1007
Census Tract	1000

Owner

405 Cypress St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 CYPRESS ST, CHICO, CA 95928-5459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 13, 2026	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU
Feb 8, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on File
Deed Sale	Mar 13, 2026 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Document Number	20267767
Prior Transfer Date	Sep 9, 2011
Prior Transfer Doc	0000030775
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Mar 13, 2026
Property Address	405 CYPRESS ST, CHICO, CA 95928-5459
Document Number	0000007767
Map Reference	MB 6 PG 50
Instrument Date	Mar 10, 2026
Instrument	2026-0007767
Transaction Type	Transfer
Record Updated	Apr 1, 2026
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	Tenants in Common
Address	405 CYPRESS ST, CHICO, CA 95928-5459

Mortgage

Document Number	0000007768
Date	Mar 13, 2026
Instrument	2026-0007768

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Feb 8, 2021
Property Address	405 CYPRESS ST, CHICO, CA 95928-5459
Document Number	0000005490
Map Reference	MB 6 PG 50
Instrument Date	Feb 3, 2021
Instrument	2021-0005490
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title 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	Revocable Living Trust
Address	918 N LACY ST, SANTA ANA, CA 92701-3804

Mortgage

Document Number	0000005491
Date	Feb 8, 2021
Instrument	2021-0005491

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 Cypress St was $4,384, up 6.7% from the year before.

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		$386,426 (+2%) Land $187,693 Building $198,733
2025	$4,384.00 (+6.69%)	$378,850 Land $184,013 Building $194,837
2024	$4,109.00 (+1.18%)		$427,050
2023	$4,061.00 (+1.63%)	$364,140 Land $176,868 Building $187,272
2022	$3,996.00

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

Flood

FEMA maps place 405 Cypress St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 405 Cypress St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

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 511 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: DigitalPath, GeoLinks, Race Communications.

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