10125 E 20th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10125 E 20th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,858 sqft · built 1968
Lot Size	0.267 acres (11,627 sqft)
Owner	2 Company Names on Record
Last Sale	$306,500 (Jan 2021)
Tax Bill	$3,942 (2026)
Deeds & Mortgages	May 2024 Line of Credit Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45291.1702`

Property Details

APN / Parcel Number

Primary APN	`45291.1702`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,858 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,068 sqft
Basement Area	528 sqft
Finished Basement	250 sqft
Unfinished Basement	278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,627 sqft (0.267 acres)
Lot Dimensions	125 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	317 sqft
Patio Area	634 sqft
Canopy	317 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	10125 E 20TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHESTER TERRACE 3RD ADD L2 B8
Legal Range	44E
Legal Township	25N
Legal Section	29
Legal Subdivision	CHESTER TERRACE 3RD ADD
Legal Block	8
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3008
Census Tract	12802

Owner

Source: Spokane County records, as of September 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	10125 E 20TH AVE, SPOKANE VALLEY, WA 99206-3304
Owner Type	Company
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 13, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 14, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIORITY HOME LENDING LLC
Jun 30, 2020	Deed of Trust, Mortgage · Line of Credit NUMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Jun 16, 2010 · Amount on Record
Deed Document Number	20217021835
Prior Transfer Date	Jan 31, 2011
Prior Transfer Doc	0005976170
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10125 E 20TH AVE, SPOKANE VALLEY, WA 99206-3304
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007348518
Date	May 13, 2024
Instrument	7348518

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 14, 2021
Property Address	10125 E 20TH AVE, SPOKANE VALLEY, WA 99206-3304
Document Number	0007021835
Map Reference	VOL 8 PG 48
Instrument Date	Jan 14, 2021
Instrument	7021835
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,909.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10125 E 20TH AVE, SPOKANE VALLEY, WA 99206-3304

Mortgage

Document Number	0007021836
Date	Jan 14, 2021
Instrument	7021836

Lender

Name	PRIORITY HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10125 E 20TH AVE, SPOKANE VALLEY, WA 99206-3304
Document Number	0006938764
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10125 E 20TH AVE SPOKANE VALLEY WA 992063304, SPOKANE VALLEY, WA 99206-3304

Mortgage

Document Number	0006938764
Date	Jul 6, 2020
Instrument	6938764

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 5, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,942.00 (+0.82%)	$378,600 (+7.59%) Land $100,000 Building $278,600	$378,600 (+7.59%) Land $100,000 Building $278,600
2025	$3,910.00 (+15.92%)
2024		$351,900 (+34.21%) Land $80,000 Building $271,900	$351,900 (+34.21%) Land $80,000 Building $271,900
2023	$3,373.00 (+9.98%)	$262,200 Land $55,000 Building $207,200	$262,200 Land $55,000 Building $207,200
2022	$3,067.00

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 · 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
Nearby Flood Policies	1 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 84% of Washington
Wildfire Likelihood	0.02% 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	SPO CO WATER DIST 3 SYS 1 serves 19,035 people · EPA ID WA5393351
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2021–2023) 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. 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile, TDS Telecom.

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