10522 E 4th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10522 E 4th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,926 sqft · built 1910
Lot Size	0.475 acres (20,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Jan 2026)
Tax Bill	$3,288 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2026 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`45201.0943`

Property Details

APN / Parcel Number

Primary APN	`45201.0943`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	3,042 sqft
1st Floor Area	1,026 sqft
Upper Floors Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	900 sqft
Unfinished Basement	108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2022
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,682 sqft (0.475 acres)
Lot Dimensions	285 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	156 sqft
Patio Area	156 sqft
Canopy	156 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	10522 E 4TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF-2
Legal Description	OPPORTUNITY B230 E1/5 OF N1/2 EXC S392FT & E1/4 A C OF W4/5 OF N1/2 EXC S392FT
Legal Range	44E
Legal Township	25N
Legal Section	20
Legal Subdivision	OPPORTUNITY
Legal Block	230
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2000
Census Tract	12500

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	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jan 9, 2026	Warranty Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING
Nov 21, 2022	Warranty Deed, Transfer VESTAT TITLE AND ESCROW, VISTA TITLE AND ESCROW
May 31, 2019	Warranty Deed, Transfer WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NAT'L TITLE CO/ESTN WA LLC
Feb 21, 2019	Grant Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE
May 31, 2019	Correction Deed TICOR TITLE INSURANCE COMPANY, TICOR TITLE
Feb 12, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FORT SHERMAN APTS INC
Nov 8, 2018	Trustee's Deed, Foreclosure TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Aug 6, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2026 · Amount on Record
Deed Sale	Jan 9, 2026 · Amount on Record
Prior Sale	Nov 21, 2022 · Amount on Record
Deed Document Number	20267463661
Prior Transfer Date	Oct 30, 2018
Prior Transfer Doc	0006758568
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672

Mortgage

Document Number	0007250176
Date	Oct 31, 2022
Instrument	7250176

Lender

Name	BANNER BANK
Type	Bank
Address	SPOKANE, WA 99208

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 9, 2026
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0007463661
Map Reference	VOL K PG 20
Instrument Date	Jan 8, 2026
Instrument	7463661
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,597.00
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	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672

Mortgage

Document Number	0007463662
Date	Jan 9, 2026
Instrument	7463662

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 21, 2022
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0007254286
Map Reference	VOL K PG 20
Instrument Date	Nov 16, 2022
Instrument	7254286
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	VESTAT TITLE AND ESCROW, VISTA TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Tax	$4,485.00
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	3220 ROSEDALE ST, GIG HARBOR, WA 98335-1837

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 31, 2019
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0006809779
Instrument Date	May 22, 2019
Instrument	6809779
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NAT'L TITLE CO/ESTN WA LLC

Transaction

Amount	Amount Recorded
Tax	$3,298.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10522 E 4TH AVE SPOKANE VALLEY WA 992063672, SPOKANE VALLEY, WA 99206-3672

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOKANE WA
Recording Date	Feb 21, 2019
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0006783279
Instrument Date	Feb 7, 2019
Instrument	6783279
Transaction Type	Transfer
Record Updated	Mar 8, 2019
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Tax	$2,595.85
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	706 W GARLAND AVE SPOKANE WA 992052959, SPOKANE, WA 99205-2959

May 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SPOKANE WA
Recording Date	May 31, 2019
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0006809653
Instrument Date	Feb 7, 2019
Instrument	6809653
Record Updated	Jun 24, 2019
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	706 W GARLAND AVE SPOKANE WA 992052959, SPOKANE, WA 99205-2959

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SPOKANE WA
Recording Date	Feb 12, 2019
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Instrument Date	Feb 1, 2019
Instrument	6781470
Transaction Type	Construction Loan
Record Updated	Mar 4, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	706 W GARLAND AVE SPOKANE WA 992052959, SPOKANE, WA 99205-2959

Mortgage

Document Number	0006781470
Date	Feb 12, 2019
Instrument	6781470

Lender

Name	FORT SHERMAN APTS INC
Address	PO BOX 79, COEUR D ALENE, ID 83816-0079

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 11, 2020

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 8, 2018
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0006758568
Instrument Date	Oct 30, 2018
Instrument	6758568
Transaction Type	Foreclosure
Record Updated	Nov 28, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 1ST AVE S #300 SEATTLE WA 981042104, 300, SEATTLE, WA 98104-2104

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 6, 2018
Property Address	10522 E 4TH AVE, SPOKANE VALLEY, WA 99206-3672
Document Number	0006731733
Instrument Date	Feb 23, 2018
Instrument	6731733
Transaction Type	Foreclosure
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10522 E 4TH AVE SPOKANE VALLEY WA 992063672, SPOKANE VALLEY, WA 99206-3672

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	$3,288.00 (+0.83%)	$295,900 (+6.23%) Land $114,000 Building $181,900	$295,900 (+6.23%) Land $114,000 Building $181,900
2025	$3,261.00 (+20.91%)	$278,550 (-3.95%) Land $71,250 Building $207,300	$278,550 (-3.95%) Land $71,250 Building $207,300
2024	$2,697.00 (-3.47%)	$290,000 (+32.75%) Land $95,000 Building $195,000	$290,000 (+32.75%) Land $95,000 Building $195,000
2023	$2,794.00 (+9.01%)	$218,450 Land $71,250 Building $147,200	$218,450 Land $71,250 Building $147,200
2022	$2,563.00

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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2016 · rainfall accumulation

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	0.01% annual chance
Exposure	None beyond 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	MODERN ELECTRIC WATER CO private · serves 18,487 people · EPA ID WA5355600
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) 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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wired or Wireless Fixed Wireless · not low latency	200 / 40
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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