1004 3rd St, Cheney, WA 99004 Property Records

Spokane County property record for 1004 3rd St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1948
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Sep 2016)
Tax Bill	$3,306 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13131.8805`

Property Details

APN / Parcel Number

Primary APN	`13131.8805`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,626 sqft
1st Floor Area	1,104 sqft
Basement Area	976 sqft
Finished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1004 3RD ST
City	CHENEY
State	WA
Zip	99004-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHENEY 2ND TO TOWN OF SWLY1/2 OF L7&ALL L8 B127
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	TOWN/CHENEY 2ND ADD
Legal Block	127
Legal Lot Number	7,8
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	4
Census Block	4007
Census Tract	14001

Owner

Source: Spokane County records, as of June 17, 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	1004 3RD ST, CHENEY, WA 99004-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 3, 2024	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Jul 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage DISCOVER BANK
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2016 · Amount on Record
Deed Sale	Sep 12, 2016 · Amount on Record
Deed Document Number	20166533788
Last Transfer Date	Apr 20, 2022
Transfer Doc	0007224048
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1004 3RD ST, CHENEY, WA 99004-1724
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007100431
Date	Jul 14, 2021
Instrument	7100431

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1004 3RD ST, CHENEY, WA 99004-1724
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007386966
Date	Dec 3, 2024
Instrument	7386966

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Jul 14, 2022
Property Address	1004 3RD ST, CHENEY, WA 99004-1724
Document Number	0007224048
Map Reference	VOL A PG 52
Instrument Date	Apr 20, 2022
Instrument	7224048
Transaction Type	Transfer
Record Updated	Jan 29, 2026

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	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0007224049
Date	Jul 14, 2022
Instrument	7224049

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 25, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1004 3RD ST, CHENEY, WA 99004-1724
Document Number	0006871757
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1004 3RD ST CHENEY WA 990041724, CHENEY, WA 99004-1724

Mortgage

Document Number	0006871757
Date	Dec 9, 2019
Instrument	6871757

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,306.00 (+3.44%)	$309,000 (-0.13%) Land $80,000 Building $229,000	$309,000 (-0.13%) Land $80,000 Building $229,000
2025	$3,196.00 (+23.25%)
2024		$309,400 (+43.17%) Land $75,000 Building $234,400	$309,400 (+43.17%) Land $75,000 Building $234,400
2023	$2,593.00 (+8.18%)	$216,100 Land $40,000 Building $176,100	$216,100 Land $40,000 Building $176,100
2022	$2,397.00

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 September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 66% of Washington
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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	CITY OF CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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