978 Cyndi Cir, Chico, CA 95973 Property Records

Butte County property record for 978 Cyndi Cir, Chico, CA 95973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,053 sqft · built 1968
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Oct 2017)
Tax Bill	$2,198 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`015-150-025-000`

Property Details

APN / Parcel Number

Primary APN	`015-150-025-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,053 sqft Living Area
1st Floor Area	2,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Wood
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	978 CYNDI CIR
City	CHICO
State	CA
Zip	95973-0911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	PTN LOT 6 CONRAD ESTATES SUB
Legal Subdivision	CHICO OAKS PHASE TWO
Legal Lot Number	6
Jurisdiction	BUTTE CA
Township / Civil Division	CHICO
Census Block Group	1
Census Block	1005
Census Tract	104

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	2 Individual Names on Record
Mailing Address	978 CYNDI CIR, CHICO, CA 95973-0911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage SUMMIT FUNDING INC
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage SUMMIT FUNDING INC
Oct 20, 2017	Grant Deed, Transfer · VA Mortgage BIDWELL TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2017 · Amount on Record
Deed Sale	Oct 20, 2017 · Amount on Record
Prior Sale	Jul 30, 2013 · Amount on Record
Deed Document Number	201737463
Prior Transfer Date	Jul 23, 2013
Prior Transfer Doc	0000030296
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	978 CYNDI CIR, CHICO, CA 95973-0911
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 CYNDI CIR, CHICO, CA 95973-0911

Mortgage

Document Number	0000005753
Date	Feb 9, 2021
Instrument	2021-0005753

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTTE CA
Property Address	978 CYNDI CIR, CHICO, CA 95973-0911
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045150
Date	Oct 11, 2019
Instrument	2019-0045150

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BUTTE CA
Recording Date	Oct 20, 2017
Property Address	978 CYNDI CIR, CHICO, CA 95973-0911
Document Number	0000037463
Map Reference	MB32 PG48
Instrument Date	Oct 13, 2017
Instrument	2017-0037463
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	BIDWELL TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	978 CYNDI CIR, CHICO, CA 95973-0911

Mortgage

Document Number	0000037464
Date	Oct 20, 2017
Instrument	2017-0037464

Lender

Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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		$371,381 (+2%) Land $145,070 Building $226,311
2025	$2,198.00 (+4.07%) Disabled Person's exemption Veteran's exemption	$364,100 (+4.04%) Land $142,226 Building $221,874
2024			$452,610
2023	$2,112.00 (-2.49%) Disabled Person's exemption Veteran's exemption	$349,963 Land $136,704 Building $213,259
2022	$2,166.00

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	3 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 623 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
T-Mobile Fixed Wireless	100 / 20

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

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