12815 E 13th Ave, Spokane Valley, WA 99216 Property Records

Spokane County property record for 12815 E 13th Ave, Spokane Valley, WA 99216

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,205 sqft · built 1974
Lot Size	0.369 acres (16,091 sqft)
Owner	2 Individual Names on File
Last Sale	$423,750 (Dec 2025)
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Mar 2022 Second Mortgage Dec 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`45223.1902`

Property Details

APN / Parcel Number

Primary APN	`45223.1902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,205 sqft Living Area
Gross Area	2,514 sqft
1st Floor Area	1,280 sqft
Basement Area	1,234 sqft
Finished Basement	925 sqft
Unfinished Basement	309 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,091 sqft (0.369 acres)
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft
Patio Area	160 sqft
Canopy	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12815 E 13TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99216-0560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	(CITY OF SPOKANE VALLEY) OPPORTUNITY TERRACE ESTATES LT 2 BLK 2 EXC PTN LYG ELY & SELY OF FOLLOWING DESC LN: BEG AT NE COR LT 2, TH W ALG N LN 42.94FT TO POB OF SD LN, TH S11DEG 06MIN 51SDS W 46.05FT, TH S43DEG 20MIN 05SDS W 144.58FT TO PT ON NELY LN
Legal Range	44E
Legal Township	25N
Legal Section	22
Legal Subdivision	CITY OF SPOKANE VALLEY
Legal Block	2
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2023
Census Tract	12701

Owner

12815 E 13th Ave is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GESA CU
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 14, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GESA CU
Nov 18, 2019	Deed of Trust, Mortgage · FHA Mortgage GESA CU
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GESA CU
Apr 26, 2017	Intrafamily Transfer, Transfer · ARM GESA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Jul 1, 2013 · Amount on File
Deed Document Number	20257458401
Prior Transfer Date	Apr 21, 2017
Prior Transfer Doc	0006598128
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007192968
Date	Mar 28, 2022
Instrument	7192968

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	182 Months
Due	May 1, 2037

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 10, 2025
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Document Number	0007458401
Map Reference	VOL 10 PG 32
Instrument Date	Dec 5, 2025
Instrument	7458401
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,785.00
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	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560

Mortgage

Document Number	0007458402
Date	Dec 10, 2025
Instrument	7458402

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006611902
Date	Jun 14, 2017
Instrument	6611902

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2027

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006865105
Date	Nov 18, 2019
Instrument	6865105

Lender

Name	GESA CU
Type	Credit Union
Address	SILVERDALE, WA 98383

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006961136
Date	Aug 28, 2020
Instrument	6961136

Lender

Name	GESA CU
Type	Credit Union
Address	SILVERDALE, WA 98383

Agreement

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

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Apr 26, 2017
Property Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560
Document Number	0006598128
Map Reference	VOL10 PG32
Instrument Date	Apr 21, 2017
Instrument	6598128
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12815 E 13TH AVE, SPOKANE VALLEY, WA 99216-0560

Mortgage

Document Number	0006598129
Date	Apr 26, 2017
Instrument	6598129

Lender

Name	GESA CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	10-Year TN
Max Rate	10.3%

Tax Assessment & Valuation

The 2026 property tax bill for 12815 E 13th Ave was $3,818, up 2.6% 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	$3,818.00 (+2.58%)	$399,500 (+10.94%) Land $130,000 Building $269,500	$399,500 (+10.94%) Land $130,000 Building $269,500
2025	$3,722.00 (+7.54%)	$360,100 (+0.56%) Land $90,000 Building $270,100	$360,100 (+0.56%) Land $90,000 Building $270,100
2024	$3,461.00 (+0.87%)	$358,100 (+16.95%) Land $88,000 Building $270,100	$358,100 (+16.95%) Land $88,000 Building $270,100
2023	$3,431.00 (-4%)	$306,200 Land $80,000 Building $226,200	$306,200 Land $80,000 Building $226,200
2022	$3,574.00

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

Flood

FEMA maps place 12815 E 13th 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

The area around 12815 E 13th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	VERA WATER & POWER serves 24,692 people · EPA ID WA5391450
Water Source	Groundwater
Last State Inspection	Nov 2021
Lead	21 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	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 268 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
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20

May also be available: CenturyLink.

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