11405 E 20th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 11405 E 20th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,230 sqft · built 1966
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2014)
Tax Bill	$4,339 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45282.2413`

Property Details

APN / Parcel Number

Primary APN	`45282.2413`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,230 sqft Living Area
Gross Area	2,750 sqft
1st Floor Area	1,398 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11405 E 20TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	KOKOMO TOWNSITE ALL L19;W1/2 L20 B8
Legal Range	44E
Legal Township	25N
Legal Section	28
Legal Subdivision	KOKOMO TOWNSITE
Legal Block	8
Legal Lot Number	19,20
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1011
Census Tract	12802

Owner

11405 E 20th Ave is owned and occupied by two individuals who bought it in June 2014.

Source: Spokane County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11405 E 20TH AVE, SPOKANE VALLEY, WA 99206-2309
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit HORIZON CU
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2014 · Amount on File
Deed Sale	Jun 13, 2014 · Amount on File
Prior Sale	Dec 9, 2005 · Amount on File
Deed Document Number	20146311556
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	11405 E 20TH AVE, SPOKANE VALLEY, WA 99206-2309
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11405 E 20TH AVE, SPOKANE VALLEY, WA 99206-2309

Mortgage

Document Number	0007451938
Date	Nov 7, 2025
Instrument	7451938

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	11405 E 20TH AVE, SPOKANE VALLEY, WA 99206-2309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006921275
Date	May 18, 2020
Instrument	6921275

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 11405 E 20th Ave was $4,339, up 0.9% from the year before.

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	$4,339.00 (+0.86%)	$380,300 Land $110,000 Building $270,300	$380,300 Land $110,000 Building $270,300
2025	$4,302.00
2024		$360,500 (+23.84%) Land $90,000 Building $270,500	$360,500 (+23.84%) Land $90,000 Building $270,500
2023	$3,743.00 (+1.44%)	$291,100 Land $60,000 Building $231,100	$291,100 Land $60,000 Building $231,100
2022	$3,690.00

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

Flood

FEMA maps place 11405 E 20th Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 11405 E 20th Ave is low, with a 0.01% annual chance of 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Wired or Wireless Fixed Wireless · not low latency	200 / 40
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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