118 4th St, Cheney, WA 99004 Property Records

Spokane County property record for 118 4th St, Cheney, WA 99004

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 2,881 sqft · built 1896
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on File
Last Sale	$25,274 (Mar 2022)
Tax Bill	$4,394 (2026)
Deeds & Mortgages	May 2022 Line of Credit Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13132.4712`

Property Details

APN / Parcel Number

Primary APN	`13132.4712`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	12 Rooms
Units	3 Units
Stories	1 Story
Building Area	2,881 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	1,601 sqft
Upper Floors Area	1,601 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1990
Architectural Style	Quadruplex
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Deck Area	175 sqft
Canopy	235 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 4TH ST
City	CHENEY
State	WA
Zip	99004-1516
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R-3
Legal Description	NW1/4 13-23-41 TOWN OF CHENEY NELY 27 LT7 & LT6 BLK47
Legal Range	41
Legal Township	23
Legal Section	13
Legal Subdivision	CHENEY
Legal Block	47
Legal Lot Number	7,6
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	1
Census Block	1015
Census Tract	14001

Owner

118 4th St, a residential property, is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	118 4TH ST, CHENEY, WA 99004-1516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
May 11, 2022	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
Mar 16, 2022	Quit Claim Deed, Transfer · Conventional Mortgage NUMERICA CU
Nov 18, 2019	Quit Claim Deed, Transfer NUMERICA CU
Nov 18, 2019	Warranty Deed, Transfer · Conventional Mortgage NUMERICA CU
Nov 18, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Nov 18, 2019 · Amount on File
Deed Document Number	20227189523
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	118 4TH ST, CHENEY, WA 99004-1516
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007206077
Date	May 11, 2022
Instrument	7206077

Lender

Name	NUMERICA CU
Type	Credit Union
Address	VERADALE, WA 99037

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 16, 2022
Property Address	118 4TH ST, CHENEY, WA 99004-1516
Document Number	0007189523
Map Reference	VOL A PG 44
Instrument Date	Mar 16, 2022
Instrument	7189523
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WFG

Transaction

Amount	Amount on Record
Tax	$409.38
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9706 E NORTH RIM LN, SPOKANE, WA 99217-9263

Mortgage

Document Number	0007189583
Date	Mar 16, 2022
Instrument	7189583

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE, WA 99216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 18, 2019
Property Address	118 4TH ST, CHENEY, WA 99004-1516
Document Number	0006865207
Instrument Date	Nov 16, 2019
Instrument	6865207
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4211 N MCDONALD RD SPOKANE VALLEY WA 992162239, SPOKANE VALLEY, WA 99216-2239

Mortgage

Document Number	6865209
Date	Nov 18, 2019
Instrument	6865209

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99216

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 17, 2039

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 18, 2019
Property Address	118 4TH ST, CHENEY, WA 99004-1516
Document Number	0006865208
Instrument Date	Nov 15, 2019
Instrument	6865208
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,209.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	9706 E NORTH RIM LN SPOKANE WA 992179263, SPOKANE, WA 99217-9263

Mortgage

Document Number	6865209
Date	Nov 18, 2019
Instrument	6865209

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 17, 2039

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 18, 2019
Property Address	118 4TH ST, CHENEY, WA 99004-1516
Document Number	0006865206
Instrument Date	Nov 15, 2019
Instrument	6865206
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	9706 E NORTH RIM LN SPOKANE WA 992179263, SPOKANE, WA 99217-9263

Tax Assessment & Valuation

The 2026 property tax bill for 118 4th St was $4,394, up 5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,394.00 (+5.04%)	$326,000 (-17.38%) Land $80,000 Building $246,000	$326,000 (-17.38%) Land $80,000 Building $246,000
2025	$4,183.00	$394,600 (+8.44%) Land $70,000 Building $324,600	$394,600 (+8.44%) Land $70,000 Building $324,600
2024		$363,900 (+79.08%) Land $46,200 Building $317,700	$363,900 (+79.08%) Land $46,200 Building $317,700
2023	$3,048.00 (+35.17%)	$203,200 Land $46,200 Building $157,000	$203,200 Land $46,200 Building $157,000
2022	$2,255.00

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

Flood

FEMA maps place 118 4th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 118 4th St is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 63% of Washington
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect 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	CITY OF CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	1 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	1,000 / 1,000
DCI Cable	1,000 / 100

May also be available: CenturyLink, T-Mobile, Verizon.

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