10206 E 20th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10206 E 20th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Duplex
Details	8 bd · 4.5 ba · 2,948 sqft · built 1970
Lot Size	0.399 acres (17,386 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2018)
Tax Bill	$5,893 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45291.1525`

Property Details

APN / Parcel Number

Primary APN	`45291.1525`

Interior

Bedrooms	8 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,948 sqft Living Area
Gross Area	5,448 sqft
1st Floor Area	2,448 sqft
Basement Area	2,448 sqft
Finished Basement	500 sqft
Unfinished Basement	1,948 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,386 sqft (0.399 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Patio Area	176 sqft
Canopy	176 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	10206 E 20TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-6420
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Description	CHESTER TERRACE 1ST ADD PTN OF L2 DAF; BEG AT A PT ON TH E NWLY LN 39.95FT ELY OF MOST WLY COR TH WLY 39.95FT TH SELY T O SW COR TH N75FT TH NW88.85FT TO POB; ALSO L3 B1 EXC WLY 59FT
Legal Range	44E
Legal Township	25N
Legal Section	29
Legal Subdivision	CHESTER TERRACE 1ST ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3013
Census Tract	12802

Owner

10206 E 20th Ave, a duplex, is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10206 E 20TH AVE, SPOKANE VALLEY, WA 99206-6420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Quit Claim Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 26, 2018	Warranty Deed, Transfer · Conventional Mortgage ANNA M CRAM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	20186755433
Last Transfer Date	Dec 26, 2020
Transfer Doc	0007014913
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 29, 2020
Property Address	10206 E 20TH AVE, SPOKANE VALLEY, WA 99206-6420
Document Number	0007014913
Map Reference	VOL 7 PG 93
Instrument Date	Dec 26, 2020
Instrument	7014913
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	VISTA TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007014914
Date	Dec 29, 2020
Instrument	7014914

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 26, 2018
Property Address	10206 E 20TH AVE, SPOKANE VALLEY, WA 99206-6420
Document Number	0006755433
Instrument Date	Oct 25, 2018
Instrument	6755433
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ALLEGRO ESCROW SERVICES, ALLEGRO ESCROW SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,790.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10206-10208 E 20TH AVE SPOKANE VALLEY WA 992066420, SPOKANE VALLEY, WA 99206-6420

Mortgage

Document Number	6755434
Date	Oct 26, 2018
Instrument	6755434

Lender

Name	ANNA M CRAM
Address	10208 E 20TH AVE, SPOKANE VALLEY, WA 99206-6420
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10206 E 20th Ave was $5,893, down 1% from the year before.

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	$5,893.00 (-1.01%)	$557,200 Land $110,000 Building $447,200	$557,200 Land $110,000 Building $447,200
2025	$5,953.00
2024		$496,900 (+31.63%) Land $80,000 Building $416,900	$496,900 (+31.63%) Land $80,000 Building $416,900
2023	$4,801.00 (+8.35%)	$377,500 Land $55,000 Building $322,500	$377,500 Land $55,000 Building $322,500
2022	$4,431.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10206 E 20th Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10206 E 20th Ave is low, with a 0.02% annual chance of 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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