10522 E 28th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10522 E 28th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,754 sqft · built 1968
Lot Size	0.466 acres (20,293 sqft)
Owner	Individual Name on File
Last Sale	$231,400 (Feb 2018)
Tax Bill	$4,098 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`45294.0604`

Property Details

APN / Parcel Number

Primary APN	`45294.0604`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1988
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,293 sqft (0.466 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10522 E 28TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHESTER HILLS HTS L4 B1
Legal Range	44E
Legal Township	25N
Legal Section	29
Legal Subdivision	CHESTER HILLS HTS
Legal Block	1
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3023
Census Tract	12802

Owner

10522 E 28th Ave is owned by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	WA
Owner Type	Individual
Vesting	Unmarried Woman

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
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Feb 15, 2018	Warranty Deed, Transfer · Conventional Mortgage THE PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2018 · Amount on File
Deed Sale	Feb 15, 2018 · Amount on File
Deed Document Number	20186682485
Prior Transfer Date	Aug 23, 2012
Prior Transfer Doc	0006123002
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10522 E 28TH AVE, SPOKANE VALLEY, WA 99206-3309
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007063762
Date	Apr 20, 2021
Instrument	7063762

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Feb 15, 2018
Property Address	10522 E 28TH AVE, SPOKANE VALLEY, WA 99206-3309
Document Number	0006682485
Map Reference	VOL7 PG5
Instrument Date	Feb 8, 2018
Instrument	6682485
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10522 E 28TH AVE, SPOKANE VALLEY, WA 99206-3309

Mortgage

Document Number	0006682486
Date	Feb 15, 2018
Instrument	6682486

Lender

Name	THE PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Mortgage

Document Number	0006682487
Date	Feb 15, 2018
Instrument	6682487

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 10522 E 28th Ave was $4,098, up 3.4% 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	$4,098.00 (+3.35%)	$393,500 (+2.61%) Land $120,000 Building $273,500	$393,500 (+2.61%) Land $120,000 Building $273,500
2025	$3,965.00	$383,500 (+14.89%) Land $110,000 Building $273,500	$383,500 (+14.89%) Land $110,000 Building $273,500
2024		$333,800 (+34.06%) Land $80,000 Building $253,800	$333,800 (+34.06%) Land $80,000 Building $253,800
2023	$3,204.00 (+9.91%)	$249,000 Land $55,000 Building $194,000	$249,000 Land $55,000 Building $194,000
2022	$2,915.00

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

Flood

FEMA maps place 10522 E 28th Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 10522 E 28th Ave is low, with a 0.01% 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	0.01% 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	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 192 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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