1020 Gary St, Cheney, WA 99004 Property Records

Spokane County property record for 1020 Gary St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,866 sqft · built 1969
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,830 (2026)
Deeds & Mortgages	Oct 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13144.3204`

Property Details

APN / Parcel Number

Primary APN	`13144.3204`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
Gross Area	2,441 sqft
1st Floor Area	1,241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Deck Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1020 GARY ST
City	CHENEY
State	WA
Zip	99004-1344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	VIEW ACRES ADD L4 B1
Legal Range	41E
Legal Township	23N
Legal Section	14
Legal Subdivision	VIEW ACRES ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	1
Census Block	1004
Census Tract	14002

Owner

Source: Spokane County records, as of September 16, 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	1020 GARY ST, CHENEY, WA 99004-1344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Quit Claim Deed, Transfer BETTER MTG CORP ISAOA
May 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 26, 2020
Transfer Doc	0006983162
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 19, 2020
Property Address	1020 GARY ST, CHENEY, WA 99004-1344
Document Number	0006983162
Instrument Date	Sep 26, 2020
Instrument	6983162
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	SPRUCE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1020 GARY ST CHENEY WA 990041344, CHENEY, WA 99004-1344

Mortgage

Document Number	6983163
Date	Oct 19, 2020
Instrument	6983163

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 18, 2035

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1020 GARY ST, CHENEY, WA 99004-1344
Document Number	0006602455
Instrument Date	May 6, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1020 GARY ST CHENEY WA 990041344, CHENEY, WA 99004-1344

Mortgage

Document Number	0006602455
Date	May 11, 2017
Instrument	6602455

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2032

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 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	$3,830.00 (+3.57%)	$359,000 (+13.39%) Land $80,000 Building $279,000	$359,000 (+13.39%) Land $80,000 Building $279,000
2025	$3,698.00 (+39.34%)
2024		$316,600 (+41.72%) Land $75,000 Building $241,600	$316,600 (+41.72%) Land $75,000 Building $241,600
2023	$2,654.00 (+7.15%)	$223,400 Land $40,000 Building $183,400	$223,400 Land $40,000 Building $183,400
2022	$2,477.00

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	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Verizon Fixed Wireless	300 / 20

May also be available: DCI.

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