1323 S Ray St, Spokane, WA 99202 Property Records

Spokane County property record for 1323 S Ray St, Spokane, WA 99202

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 3,168 sqft · built 1954
Lot Size	0.387 acres (16,875 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2021)
Tax Bill	$5,572 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35223.3101`

Property Details

APN / Parcel Number

Primary APN	`35223.3101`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,168 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	1,556 sqft
2nd Floor Area	640 sqft
Upper Floors Area	640 sqft
Basement Area	1,080 sqft
Finished Basement	972 sqft
Unfinished Basement	108 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,875 sqft (0.387 acres)
Lot Dimensions	135 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	260 sqft
Deck Area	100 sqft
Patio Area	35 sqft
Canopy	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1323 S RAY ST
City	SPOKANE
State	WA
Zip	99202-5447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	ALTAMT E PT OF B17 N125FT OF S145FT OF E135FT OF W1 65FT EXC ST
Legal Range	43E
Legal Township	25N
Legal Section	22
Legal Subdivision	ALTAMT
Legal Block	17
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3038
Census Tract	2900

Owner

1323 S Ray St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1323 S RAY ST, SPOKANE, WA 99202-5447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Mar 21, 2019	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Mar 21, 2019 · Amount on File
Deed Document Number	20217121869
Prior Transfer Date	Dec 11, 2002
Prior Transfer Doc	0004818091
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 2, 2021
Property Address	1323 S RAY ST, SPOKANE, WA 99202-5447
Document Number	0007121869
Map Reference	VOL C PG 87
Instrument Date	Sep 1, 2021
Instrument	7121869
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	SIESTA TITLE AND ESCROW LLC, VISTA TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,165.00
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	1323 S RAY ST, SPOKANE, WA 99202-5447

Mortgage

Document Number	0007121870
Date	Sep 2, 2021
Instrument	7121870

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 21, 2019
Property Address	1323 S RAY ST, SPOKANE, WA 99202-5447
Document Number	0006789904
Instrument Date	Mar 19, 2019
Instrument	6789904
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NAT'L TITLE CO/ESTN WA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 QUINCE ST NE OLYMPIA WA 985064048, OLYMPIA, WA 98506-4048

Mortgage

Document Number	6789905
Date	Mar 21, 2019
Instrument	6789905

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 20, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 1323 S Ray St was $5,572, up 4.9% 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 City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,572.00 (+4.86%)	$528,700 Land $139,500 Building $389,200	$528,700 Land $139,500 Building $389,200
2025	$5,314.00
2024		$432,900 (+17.8%) Land $82,800 Building $350,100	$432,900 (+17.8%) Land $82,800 Building $350,100
2023	$4,232.00 (-1.49%)	$367,500 Land $94,500 Building $273,000	$367,500 Land $94,500 Building $273,000
2022	$4,296.00

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

Flood

FEMA maps place 1323 S Ray 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 1323 S Ray St is low, with less than 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 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	CITY OF SPOKANE serves 346,138 people · EPA ID WA5383100
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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	None 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 560 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 · Fiber in parts of the area	140 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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