10524 E Ruff Ln, Chattaroy, WA 99003 Property Records

Spokane County property record for 10524 E Ruff Ln, Chattaroy, WA 99003

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,665 sqft · built 2006
Lot Size	9.73 acres (424,274 sqft)
Owner	Individual Name on File
Tax Bill	$1,480 (2026)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48054.9071`

Property Details

APN / Parcel Number

Primary APN	`48054.9071`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,665 sqft Living Area
Gross Area	3,529 sqft
1st Floor Area	2,665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	424,274 sqft
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	40 sqft
Patio Area	56 sqft
Canopy	55 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10524 E RUFF LN
City	CHATTAROY
State	WA
Zip	99003-7821
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RT
Legal Description	05-28-44 PARCEL C OF ROS (AFN # 4127817, BK 78 PG 11) BEING A PTN OF SE1/4
Legal Range	44
Legal Township	28
Legal Section	05
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	2
Census Block	2018
Census Tract	10201

Owner

Source: Spokane County records · APN 48054.9071

Assessment roll updated June 17, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 523, COLBERT, WA 99005-0523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Aug 09, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2003
Deed Sale	Apr 29, 2003
Deed Document Number	20034884981
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10524 E RUFF LN, CHATTAROY, WA 99003-7821
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10524 E RUFF LN, CHATTAROY, WA 99003-7821

Mortgage

Document Number	0007142376
Date	Oct 26, 2021
Instrument	7142376

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10524 E RUFF LN, CHATTAROY, WA 99003-7821
Document Number	0006831770
Instrument Date	Aug 09, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	10524 E RUFF LN CHATTAROY WA 990037821, CHATTAROY, WA 99003-7821

Mortgage

Document Number	0006831770
Date	Aug 14, 2019
Instrument	6831770

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2039

Tax Assessment & Valuation

Source: Spokane County records · Assessment roll updated June 17, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Riverside School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,480.00 (+2.35%) Senior Citizen's exemption	$535,580 (+0.84%) Land $120,180 Building $415,400	$535,580 (+0.84%) Land $120,180 Building $415,400
2025	$1,446.00 (+10.47%) Disabled Person's exemption Senior Citizen's exemption
2024		$531,120 (+22.31%) Land $105,220 Building $425,900	$531,120 (+22.31%) Land $105,220 Building $425,900
2023	$1,309.00 (+3.48%) Disabled Person's exemption Senior Citizen's exemption	$434,240 Land $82,740 Building $351,500	$434,240 Land $82,740 Building $351,500
2022	$1,265.00 Disabled Person's exemption Senior Citizen's exemption

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 67% of Washington
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Concept Communications Fixed Wireless	100 / 20
Lumen Technologies DSL	60 / 5
Wired or Wireless Fixed Wireless · not low latency	30 / 10
Northwest Fiber Fixed Wireless	10 / 1

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Ruff Ln

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