13321 E Copper River Ln, Spokane, WA 99206 Property Records

Spokane County property record for 13321 E Copper River Ln, Spokane, WA 99206

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,651 sqft · built 2015
Lot Size	0.29 acres (12,611 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Apr 2020)
Tax Bill	$6,729 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45344.0633`

Property Details

APN / Parcel Number

Primary APN	`45344.0633`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,651 sqft Living Area
Gross Area	3,630 sqft
1st Floor Area	1,395 sqft
Basement Area	1,383 sqft
Finished Basement	1,256 sqft
Unfinished Basement	127 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,611 sqft (0.29 acres)
Garage Type	Attached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	92 sqft
Deck Area	252 sqft
Patio Area	92 sqft
Canopy	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13321 E COPPER RIVER LN
City	SPOKANE
State	WA
Zip	99206-7079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	PTN OF L8, 9, 13 & 14 B2 ELK RIDGE HEIGHTS: BEG SW COR L14; TH S684208E 19.00FT & POB; TH N280721E 177.88FT; TH S445243E 42.59FT; TH ALG CURVE TO R W/RADIUS 114.00FT, CEN ANG 234438, ARC LEN 47.24FT; TH S445034W 77.53FT; TH S555350E 10.02FT; TH
Legal Subdivision	ELK RIDGE HEIGHTS
Legal Block	2
Legal Lot Number	9
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	4
Census Block	4014
Census Tract	12402

Owner

13321 E Copper River Ln is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	13321 E COPPER RIVER LN, SPOKANE, WA 99206-7079
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 26, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 2, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2020 · Amount on File
Deed Sale	Apr 2, 2020 · Amount on File
Prior Sale	May 22, 2015 · Amount on File
Deed Document Number	20206907383
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	13321 E COPPER RIVER LN, SPOKANE, WA 99206-7079
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13321 E COPPER RIVER LN, SPOKANE, WA 99206-7079

Mortgage

Document Number	0007310160
Date	Sep 26, 2023
Instrument	7310160

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	13321 E COPPER RIVER LN, SPOKANE, WA 99206-7079
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007022622
Date	Jan 19, 2021
Instrument	7022622

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 2, 2020
Property Address	13321 E COPPER RIVER LN, SPOKANE, WA 99206-7079
Document Number	0006907383
Instrument Date	Mar 31, 2020
Instrument	6907383
Transaction Type	Transfer
Record Updated	May 22, 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	$8,806.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13321 E COPPER RIVER LN SPOKANE WA 992067079, SPOKANE, WA 99206-7079

Mortgage

Document Number	6907384
Date	Apr 2, 2020
Instrument	6907384

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	SPOKANE, WA 99206-7079

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 13321 E Copper River Ln was $6,729, up 1.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Central Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,729.00 (+1.59%)	$620,300 Land $125,000 Building $495,300	$620,300 Land $125,000 Building $495,300
2025	$6,624.00
2024		$717,400 (+41.67%) Land $89,500 Building $627,900	$717,400 (+41.67%) Land $89,500 Building $627,900
2023	$6,844.00 (+14.39%)	$506,400 Land $74,400 Building $432,000	$506,400 Land $74,400 Building $432,000
2022	$5,983.00

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

Flood

FEMA maps place 13321 E Copper River Ln 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	2 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 13321 E Copper River Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 69% of Washington
Wildfire Likelihood	0.05% 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	SPO CO WATER DIST 3 SYS 1 serves 19,035 people · EPA ID WA5393351
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2021–2023) 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Wired or Wireless Fixed Wireless · not low latency	200 / 40
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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