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11209 E 40th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 11209 E 40th Ave, Spokane Valley, WA 99206

Property Summary

Property TypeDuplex
Details9 bd · 5 ba · 3,888 sqft · built 1978
Lot Size0.265 acres (11,520 sqft)
Owner2 Individual Names on Record
Last Sale$328,744 (May 2018)
Tax Bill$6,825 (2026)
Deeds & MortgagesNov 2020 Mortgage
May 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN45332.2809

Property Details

APN / Parcel Number

Primary APN45332.2809

Interior

Bedrooms9 Beds
Full Baths5 Baths
Plumbing Fixtures17 Plumbing Fixtures
Total Rooms13 Rooms
Units2 Units
Stories1 Story
Building Area3,888 sqft Living Area
Gross Area4,715 sqft
1st Floor Area2,088 sqft
Basement Area2,088 sqft
Finished Basement1,800 sqft
Unfinished Basement288 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area11,520 sqft (0.265 acres)
Lot Dimensions128 ft deep x 90 ft wide
Garage TypeAttached
Garage Area539 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemBaseboard
Heating FuelElectric

Location & Zoning

Street Address11209 E 40TH AVE
CitySPOKANE VALLEY
StateWA
Zip99206-9622
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeMF-1
Legal DescriptionCHESTER FIELD ADD L9 B2
Legal Range44E
Legal Township25N
Legal Section33
Legal SubdivisionCHESTER FIELD ADD
Legal Block2
Legal Lot Number9
JurisdictionSPOKANE WA
Township / Civil DivisionSPOKANE
Census Block Group2
Census Block2009
Census Tract12402

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 Record2 Individual Names on Record
Mailing AddressWA
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
May 17, 2018Warranty Deed, Transfer · Conventional Mortgage
CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 17, 2018 · Amount on Record
Deed SaleMay 17, 2018 · Amount on Record
Deed Document Number20186708702
Prior Transfer DateMar 21, 1996
Prior Transfer Doc0000000501
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPOKANE WA
Property Address11209 E 40TH AVE, SPOKANE VALLEY, WA 99206-9622
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0006992829
DateNov 9, 2020
Instrument6992829
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSPOKANE WA
Recording DateMay 17, 2018
Property Address11209 E 40TH AVE, SPOKANE VALLEY, WA 99206-9622
Document Number0006708702
Instrument DateMay 7, 2018
Instrument6708702
Transaction TypeTransfer
Record UpdatedNov 1, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,264.90
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2111 S MEADOWVIEW RD GREENACRES WA 990168829, GREENACRES, WA 99016-8829

Mortgage

Document Number6708703
DateMay 17, 2018
Instrument6708703
Lender
NameCORNERSTONE HM LNDG
AddressHOUSTON, TX 77027
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 16, 2048

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateWashington
CountySpokane County
MunicipalitySpokane Valley City
Unified School DistrictCentral Valley School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,825.00 (+2.49%)$587,200 (+0.98%) Land $120,000 Building $467,200$587,200 (+0.98%) Land $120,000 Building $467,200
2025$6,659.00 (+20.74%)$581,500 (+13.75%) Land $110,000 Building $471,500$581,500 (+13.75%) Land $110,000 Building $471,500
2024$511,200 (+52.14%) Land $65,000 Building $446,200$511,200 (+52.14%) Land $65,000 Building $446,200
2023$5,515.00 (+21.64%)$336,000 Land $50,000 Building $286,000$336,000 Land $50,000 Building $286,000
2022$4,534.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMODEL IRRIGATION DIST #18
serves 7,903 people · EPA ID WA5355550
Water SourceGroundwater
Last State InspectionOct 2025
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 337 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL		140 / 20
Wind Wireless
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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