10820 E Main Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 10820 E Main Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1938
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,115 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`45163.0506`

Property Details

APN / Parcel Number

Primary APN	`45163.0506`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	792 sqft
Upper Floors Area	792 sqft
Basement Area	792 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 100 ft wide

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	48 sqft
Shed	1 Shed
Shed Area	96 sqft
Pole Barn	800 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10820 E MAIN AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-5029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CMU
Legal Description	OPPORTUNITY PT OF BLK 149 E100FT OF W550FT OF N115FT EXC N15FT FOR ST
Legal Range	44E
Legal Township	25N
Legal Section	16
Legal Subdivision	OPPORTUNITY
Legal Block	149
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2020
Census Tract	11900

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	Individual Name on Record
Mailing Address	10820 E MAIN AVE, SPOKANE VALLEY, WA 99206-5029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jan 13, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10820 E MAIN AVE, SPOKANE VALLEY, WA 99206-5029
Document Number	0006802750
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10820 E MAIN AVE SPOKANE VALLEY WA 992065029, SPOKANE VALLEY, WA 99206-5029

Mortgage

Document Number	0006802750
Date	May 6, 2019
Instrument	6802750

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2049

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	10820 E MAIN AVE, SPOKANE VALLEY, WA 99206-5029
Document Number	0006679187
Instrument Date	Jan 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10820 E MAIN AVE SPOKANE VALLEY WA 992065029, SPOKANE VALLEY, WA 99206-5029

Mortgage

Document Number	0006679187
Date	Feb 1, 2018
Instrument	6679187

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2048

Interest

Rate Type	Adjustable Rate

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	$3,115.00 (+400.8%)	$300,500 (+3.84%) Land $110,000 Building $190,500	$300,500 (+3.84%) Land $110,000 Building $190,500
2025	$622.00 (-31.65%) Senior Citizen's exemption	$289,400 (+6.95%) Land $90,000 Building $199,400	$289,400 (+6.95%) Land $90,000 Building $199,400
2024		$270,600 (+28.31%) Land $65,000 Building $205,600	$270,600 (+28.31%) Land $65,000 Building $205,600
2023	$910.00 (-2.88%) Disabled Person's exemption Senior Citizen's exemption	$210,900 Land $45,000 Building $165,900	$210,900 Land $45,000 Building $165,900
2022	$937.00 Disabled Person's exemption Senior Citizen's exemption

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	Not rated no burnable land 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	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 303 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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