1413 Gary St, Cheney, WA 99004 Property Records

Spokane County property record for 1413 Gary St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,794 sqft · built 1978
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$203,000 (Jul 2018)
Tax Bill	$830 (2026)
Deeds & Mortgages	Dec 2020 Line of Credit Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13143.1104`

Property Details

APN / Parcel Number

Primary APN	`13143.1104`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,794 sqft Living Area
Gross Area	3,418 sqft
1st Floor Area	1,532 sqft
Basement Area	1,262 sqft
Finished Basement	1,262 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,350 sqft (0.215 acres)
Lot Dimensions	110 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	153 sqft
Patio Area	153 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1413 GARY ST
City	CHENEY
State	WA
Zip	99004-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	VIEW ACRES 2ND L4 B1
Legal Range	41E
Legal Township	23N
Legal Section	14
Legal Subdivision	VIEW ACRES ADD 02
Legal Block	1
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	2
Census Block	2013
Census Tract	14002

Owner

1413 Gary St is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1413 GARY ST, CHENEY, WA 99004-1130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jul 23, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2018 · Amount on File
Deed Sale	Jul 23, 2018 · Amount on File
Prior Sale	Sep 4, 2012 · Amount on File
Deed Document Number	20186727277
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1413 GARY ST, CHENEY, WA 99004-1130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007009844
Date	Dec 18, 2020
Instrument	7009844

Lender

Name	BANNER BANK
Type	Bank
Address	CHENEY, WA 99004

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 23, 2018
Property Address	1413 GARY ST, CHENEY, WA 99004-1130
Document Number	0006727277
Instrument Date	Jul 20, 2018
Instrument	6727277
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	VISTA TITLE AND ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,618.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 GARY ST CHENEY WA 990041130, CHENEY, WA 99004-1130

Mortgage

Document Number	6727278
Date	Jul 23, 2018
Instrument	6727278

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 22, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 1413 Gary St was $830, down 0.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$830.00 (-0.6%)	$437,700 Land $80,000 Building $357,700	$437,700 Land $80,000 Building $357,700
2025	$835.00 Disabled Person's exemption Senior Citizen's exemption
2024		$381,200 (+47.18%) Land $75,000 Building $306,200	$381,200 (+47.18%) Land $75,000 Building $306,200
2023	$3,193.00 (+11.25%)	$259,000 Land $40,000 Building $219,000	$259,000 Land $40,000 Building $219,000
2022	$2,870.00

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

Flood

FEMA maps place 1413 Gary St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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 Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2009 · other causes

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 1413 Gary St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 70% of Washington
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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	CITY OF CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Verizon Fixed Wireless	300 / 20

May also be available: DCI.

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