11906 E 40th Ave, Spokane Valley, WA 99206 Property Records

Spokane County property record for 11906 E 40th Ave, Spokane Valley, WA 99206

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,454 sqft · built 1994
Lot Size	0.399 acres (17,392 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (May 2019)
Tax Bill	$7,019 (2026)
Deeds & Mortgages	May 2021 Line of Credit Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45331.4413`

Property Details

APN / Parcel Number

Primary APN	`45331.4413`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,454 sqft Living Area
Gross Area	4,070 sqft
1st Floor Area	1,300 sqft
2nd Floor Area	898 sqft
Basement Area	1,256 sqft
Finished Basement	1,256 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,392 sqft (0.399 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Deck Area	336 sqft
Patio Area	592 sqft
Gazebo	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11906 E 40TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99206-6344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	MIDILOME 7TH ADD LOT 13 BLK 3
Legal Range	44E
Legal Township	25N
Legal Section	33
Legal Subdivision	MIDILOME 7TH ADD
Legal Block	3
Legal Lot Number	13
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3017
Census Tract	12402

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	2 Individual Names on Record
Mailing Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Apr 16, 2020	Deed of Trust, Mortgage · Conventional with PMI WASHINGTON ST EMP CU
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage INLAND MORTGAGE
Nov 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage INSPIRUS CU
Jan 10, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	20196809562
Prior Transfer Date	Jan 4, 2017
Prior Transfer Doc	0006569745
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007075463
Date	May 17, 2021
Instrument	7075463

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Document Number	0006912702
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	11906 E 40TH AVE SPOKANE VALLEY WA 992066344, SPOKANE VALLEY, WA 99206-6344

Mortgage

Document Number	0006912702
Date	Apr 21, 2020
Instrument	6912702

Lender

Name	WASHINGTON ST EMP CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 31, 2019
Property Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Document Number	0006809562
Map Reference	VOL 20 PG 92
Instrument Date	May 23, 2019
Instrument	6809562
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,392.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344

Mortgage

Document Number	0006809563
Date	May 31, 2019
Instrument	6809563

Lender

Name	INLAND MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Document Number	0006662412
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11906 E 40TH AVE SPOKANE VALLEY WA 992066344, SPOKANE VALLEY, WA 99206-6344

Mortgage

Document Number	0006662412
Date	Nov 28, 2017
Instrument	6662412

Lender

Name	INSPIRUS CU
Address	SEATTLE, WA 98111-0576

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 27, 2032

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 10, 2017
Property Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344
Document Number	0006569745
Map Reference	VOL20 PG92
Instrument Date	Jan 4, 2017
Instrument	6569745
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11906 E 40TH AVE, SPOKANE VALLEY, WA 99206-6344

Mortgage

Document Number	0006569746
Date	Jan 10, 2017
Instrument	6569746

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$7,019.00 (+4.11%)	$611,700 (+2.12%) Land $120,000 Building $491,700	$611,700 (+2.12%) Land $120,000 Building $491,700
2025	$6,742.00 (+12.89%)
2024		$599,000 (+20.81%) Land $90,000 Building $509,000	$599,000 (+20.81%) Land $90,000 Building $509,000
2023	$5,972.00 (-1.26%)	$495,800 Land $62,500 Building $433,300	$495,800 Land $62,500 Building $433,300
2022	$6,048.00

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

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	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 337 locations within half a mile, as of December 31, 2025

Provider	Max 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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