1109 E 20th Ave, Spokane, WA 99203 Property Records

Spokane County property record for 1109 E 20th Ave, Spokane, WA 99203

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,870 sqft · built 1925
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,963 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35291.1821`

Property Details

APN / Parcel Number

Primary APN	`35291.1821`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,870 sqft Living Area
Gross Area	3,588 sqft
1st Floor Area	1,794 sqft
Basement Area	1,556 sqft
Finished Basement	1,076 sqft
Unfinished Basement	480 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1989
Architectural Style	Bungalow
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	238 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	72 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Canopy	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1109 E 20TH AVE
City	SPOKANE
State	WA
Zip	99203-3433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	ROCKWOOD TER E10FT OF L21;ALL L22 B2
Legal Range	43E
Legal Township	25N
Legal Section	29
Legal Subdivision	ROCKWOOD TER
Legal Block	2
Legal Lot Number	21,22
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2008
Census Tract	4500

Owner

Source: Spokane County records, as of June 17, 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	1109 E 20TH AVE, SPOKANE, WA 99203-3433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 20, 2019	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 27, 2022
Transfer Doc	0007248226
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1109 E 20TH AVE, SPOKANE, WA 99203-3433
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007270143
Date	Feb 28, 2023
Instrument	7270143

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1109 E 20TH AVE, SPOKANE, WA 99203-3433
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007196250
Date	Apr 6, 2022
Instrument	7196250

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1109 E 20TH AVE, SPOKANE, WA 99203-3433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006844287
Date	Sep 20, 2019
Instrument	6844287

Lender

Name	BANNER BANK
Type	Bank
Address	SPOKANE, WA 99204

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Spokane City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,963.00 (-1.27%)	$504,400 (-2.21%) Land $200,000 Building $304,400	$504,400 (-2.21%) Land $200,000 Building $304,400
2025	$5,027.00 (-0.28%)
2024		$515,800 (+25.35%) Land $73,000 Building $442,800	$515,800 (+25.35%) Land $73,000 Building $442,800
2023	$5,041.00 (+4.8%)	$411,500 Land $66,200 Building $345,300	$411,500 Land $66,200 Building $345,300
2022	$4,810.00

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 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	CITY OF SPOKANE serves 346,138 people · EPA ID WA5383100
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2022–2024) 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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Wind Wireless Fixed Wireless	100 / 20

May also be available: Intermax Networks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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