10705 E McElroy Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10705 E McElroy Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,001 sqft · built 1994
Lot Size	0.309 acres (13,444 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,625 (Jun 1995)
Tax Bill	$4,322 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45213.9289`

Property Details

APN / Parcel Number

Primary APN	`45213.9289`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,001 sqft Living Area
Gross Area	2,507 sqft
1st Floor Area	1,024 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,444 sqft (0.309 acres)
Lot Dimensions	112 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	112 sqft
Canopy	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10705 E MCELROY AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-2858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	21-25-44 TR B OF SP92-801 AUD #9406160388 BK 11 PG 5 BNG A PTN OF NW1/4 OF SW1/4 OF SW1/4 EXC E16.5FT OF W36.50FT ADJ
Legal Range	44
Legal Township	25
Legal Section	21
Legal Subdivision	SP#801-92
Legal Tract	B
Legal Lot Number	B
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2018
Census Tract	12600

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	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit CANOPY CREDIT UNION
Jul 26, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 28, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 1995 · Amount on Record
Deed Sale	Jun 29, 1995 · Amount on Record
Deed Document Number	1995271
Deed Book / Page	1743 / 1119
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Jul 27, 2026
Property Address	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858
Document Number	0007504497
Instrument Date	Jul 21, 2026
Instrument	20267504497
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858

Mortgage

Document Number	0007504497,
Date	Jul 27, 2026
Instrument	20267504497

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 29, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	TICOR CP, TICOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007133592
Date	Oct 4, 2021
Instrument	7133592

Lender

Name	CANOPY CREDIT UNION
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	277 Months
Due	Nov 1, 2044

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006624471
Date	Jul 26, 2017
Instrument	6624471

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10705 E MCELROY AVE, SPOKANE VALLEY, WA 99206-2858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006685288
Date	Feb 28, 2018
Instrument	6685288

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	$4,322.00 (-3.83%)	$379,100 (+4.87%) Land $120,000 Building $259,100	$379,100 (+4.87%) Land $120,000 Building $259,100
2025	$4,494.00 (+25.01%)	$361,500 (+5.67%) Land $110,000 Building $251,500	$361,500 (+5.67%) Land $110,000 Building $251,500
2024		$342,100 (+19.78%) Land $56,000 Building $286,100	$342,100 (+19.78%) Land $56,000 Building $286,100
2023	$3,595.00 (-1.45%)	$285,600 Land $50,000 Building $235,600	$285,600 Land $50,000 Building $235,600
2022	$3,648.00

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	0.01% 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	MODEL IRRIGATION DIST #18 serves 7,903 people · EPA ID WA5355550
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 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	2 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 458 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
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, TDS Telecom.

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