Spokane County property record for 13109 E Copper River Ln, Spokane, WA 99206
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,709 sqft · built 2025 |
| Lot Size | 0.259 acres (11,296 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Apr 2026) |
| Tax Bill | $1,145 (2026) |
| Deeds & Mortgages | May 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 45344.1301 |
| Primary APN | 45344.1301 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,709 sqft Living Area |
| Gross Area | 3,266 sqft |
| 1st Floor Area | 1,076 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,296 sqft (0.259 acres) |
| Garage Type | Attached |
| Garage Area | 557 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 13109 E COPPER RIVER LN |
|---|---|
| City | SPOKANE |
| State | WA |
| Zip | 99206-7057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | ELK RIDGE HEIGHTS PUD (AFN 5523688) LT 1 BLK 9 |
| Legal Range | 44E |
| Legal Township | 25N |
| Legal Section | 34 |
| Legal Subdivision | ELK RIDGE HEIGHTS |
| Legal Block | 9 |
| Legal Lot Number | 1 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | SPOKANE |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 12402 |
Source: Spokane County records · APN 45344.1301
Assessment roll updated June 17, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 13109 E COPPER RIVER LN, SPOKANE, WA 99206-7057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 28, 2025 | Deed of Trust, Mortgage THE C D S PAINTING & COATINGS PROFIT SHA |
| Apr 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage SUNFLOWER BANK |
| Feb 10, 2021 | Warranty Deed, Transfer · ARM MOUNTAIN WEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 16, 2026 · Amount on Record |
| Deed Sale | Apr 16, 2026 · Amount on Record |
| Prior Sale | Dec 20, 2024 · Amount on Record |
| Deed Document Number | 20267482743 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 13109 E COPPER RIVER LN, SPOKANE, WA 99206-7057 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5825 N DEL REY DR, OTIS ORCHARDS, WA 99027-8283 |
| Document Number | 0007418805 |
|---|---|
| Date | May 28, 2025 |
| Instrument | 7418805 |
| Name | THE C D S PAINTING & COATINGS PROFIT SHA |
|---|---|
| Type | Non-Lending Institution |
| Address | VALLEYFORD, WA 99036 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Apr 16, 2026 |
| Property Address | 13109 E COPPER RIVER LN, SPOKANE, WA 99206-7057 |
| Document Number | 0007482743 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 2026.7482743 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,433,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13109 E COPPER RIVER LN, SPOKANE, WA 99206-7057 |
| Document Number | 0007482743, |
|---|---|
| Date | Apr 16, 2026 |
| Instrument | 2026.7482743 |
| Name | SUNFLOWER BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Feb 10, 2021 |
| Property Address | 13109 E COPPER RIVER LN, SPOKANE, WA 99206-7057 |
| Document Number | 0007033220 |
| Map Reference | VOL 33 PG 96-103 |
| Instrument Date | Feb 09, 2021 |
| Instrument | 7033220 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,085.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 341 N 19 1/2 AVE APT 275, 275, LEMOORE, CA 93245-9271 |
| Document Number | 0007033221 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 7033221 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 10, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 10, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 10.2% |
| Index | 5-Year CMT |
| Max Rate | 15.2% |
Source: Spokane County records · Assessment roll updated June 17, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Unified School District | Central Valley School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,145.00 (-39.29%) | $105,000 (-) Land $105,000 | $105,000 (-) Land $105,000 |
| 2025 | $1,886.00 (+10.88%) | $105,000 (-27.84%) Land $105,000 | $105,000 (-27.84%) Land $105,000 |
| 2024 | $1,701.00 (+20.72%) | $145,500 (+19.97%) Land $145,500 | $145,500 (+19.97%) Land $145,500 |
| 2023 | $1,409.00 (-2.89%) | $121,280 Land $121,280 | $121,280 Land $121,280 |
| 2022 | $1,451.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 45% of the US · lower than 65% of Washington |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Wired or Wireless Fixed Wireless · not low latency | 200 / 40 |
| Lumen Technologies DSL | 140 / 20 |
| Concept Communications Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
Based on FCC filings for 108 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPO CO WATER DIST 3 SYS 1 serves 19,035 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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