631 Flume St, Chico, CA 95928 Property Records

Butte County property record for 631 Flume St, Chico, CA 95928

Property Summary

Property Type	Bank, Financial Building
Details	5,280 sqft · built 1961
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$570,000 (Dec 2018)
Tax Bill	$8,424 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`004-382-012-000`

Property Details

APN / Parcel Number

Primary APN	`004-382-012-000`
Alternative APN	`004-382-012`

Interior

Building Area	5,280 sqft Gross Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Tilt-Up Concrete
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	004-382-012
Street Address	631 FLUME ST
City	CHICO
State	CA
Zip	95928-5609
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	631 635 641 643 647 FLUME ST
Legal Subdivision	CHICO
Legal Block	35
Legal Lot Number	5,6
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	6
Census Block	6014
Census Tract	1000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	631 FLUME ST, CHICO, CA 95928-5609
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage PLUMAS BANK
Dec 19, 2018	Grant Deed, Transfer · Conventional Mortgage GINNO ROBERT LIVING TR (LT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Dec 14, 2005 · Amount on Record
Deed Document Number	201842009
Prior Transfer Date	Mar 3, 2004
Prior Transfer Doc	0000014925
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	631 FLUME ST, CHICO, CA 95928-5609
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	SIDWELL TITLE, BIDWELL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 FLUME ST, CHICO, CA 95928-5609

Mortgage

Document Number	0000045764
Date	Oct 14, 2021
Instrument	2021-0045764

Lender

Name	PLUMAS BANK
Type	Bank
Address	CHICO, CA 95973

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Dec 19, 2018
Property Address	631 FLUME ST, CHICO, CA 95928-5609
Document Number	0000042009
Instrument Date	Dec 13, 2018
Instrument	42009
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	BIDWELL TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	631 FLUME ST CHICO CA 959285609, CHICO, CA 95928-5609

Mortgage

Document Number	42010
Date	Dec 19, 2018
Instrument	42010

Lender

Name	GINNO ROBERT LIVING TR (LT)
Address	CHICO, CA 95973

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
2026		$648,556 (+2%) Land $170,671 Building $477,885
2025	$8,424.00 (+6.93%)	$635,840 (+4.04%) Land $167,325 Building $468,515
2023	$7,878.00 (+1.99%)	$611,152 Land $160,829 Building $450,323
2022	$7,724.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	7 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2019 · rainfall accumulation

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	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 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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