498 Silver Lake Dr, Chico, CA 95973 Property Records

Butte County property record for 498 Silver Lake Dr, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,893 sqft · built 2000
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Dec 2002)
Tax Bill	$5,078 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-610-051-000`

Property Details

APN / Parcel Number

Primary APN	`006-610-051-000`
Alternative APN	`006-610-051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,893 sqft Living Area
1st Floor Area	1,893 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	664 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	006-610-051
Street Address	498 SILVER LAKE DR
City	CHICO
State	CA
Zip	95973-5852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 160 AMBER GROVE PHASE 2
Legal Subdivision	AMBER GROVE PHASE 1
Legal Lot Number	160
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1002
Census Tract	404

Owner

498 Silver Lake Dr is owned by a company that acquired it in January 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	498 SILVER LAKE DR, CHICO, CA 95973-5852
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jan 11, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 8, 2017	Quit Claim Deed, Transfer · Conventional Mortgage SIERRA CTRL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2002 · Amount on File
Deed Sale	Dec 11, 2002 · Amount on File
Prior Sale	Nov 1, 2000 · Amount on File
Deed Document Number	200267795
Last Transfer Date	Jan 5, 2021
Transfer Doc	0000001098
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	498 SILVER LAKE DR, CHICO, CA 95973-5852
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 SILVER LAKE DR, CHICO, CA 95973-5852

Mortgage

Document Number	0000005065
Date	Feb 4, 2021
Instrument	2021-0005065

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUTTE CA
Recording Date	Jan 11, 2021
Property Address	498 SILVER LAKE DR, CHICO, CA 95973-5852
Document Number	0000001098
Instrument Date	Jan 5, 2021
Instrument	1098
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 SILVER LAKE DR CHICO CA 959735852, CHICO, CA 95973-5852

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUTTE CA
Recording Date	Nov 8, 2017
Property Address	498 SILVER LAKE DR, CHICO, CA 95973-5852
Document Number	0000039975
Instrument Date	Oct 31, 2017
Instrument	39975
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	498 SILVER LAKE DR CHICO CA 959735852, CHICO, CA 95973-5852

Mortgage

Document Number	39976
Date	Nov 8, 2017
Instrument	39976

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 7, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 498 Silver Lake Dr was $5,078 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		$447,247 (+2%) Land $132,944 Building $314,303
2025	$5,078.00 Homeowner's exemption	$438,479 Land $130,338 Building $308,141
2024			$549,810
2023	$4,664.00 (+1.63%) Homeowner's exemption	$417,610 Land $125,278 Building $292,332
2022	$4,589.00

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

Flood

FEMA maps place 498 Silver Lake Dr in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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

The area around 498 Silver Lake Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 496 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
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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