1415 Gary St, Cheney, WA 99004 Property Records

Spokane County property record for 1415 Gary St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,064 sqft · built 1978
Lot Size	0.246 acres (10,710 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Oct 2024)
Tax Bill	$3,863 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13143.1103`

Property Details

APN / Parcel Number

Primary APN	`13143.1103`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Finished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,710 sqft (0.246 acres)
Lot Dimensions	126 ft deep x 85 ft wide
Deck Area	64 sqft
Patio Area	474 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1415 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 L3 B1
Legal Range	41E
Legal Township	23N
Legal Section	14
Legal Subdivision	VIEW ACRES ADD 02
Legal Block	1
Legal Lot Number	3
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	2
Census Block	2013
Census Tract	14002

Owner

1415 Gary St is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1415 GARY ST, CHENEY, WA 99004-1130
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
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 5, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Aug 1, 2019	Deed of Trust, Mortgage · Conventional with PMI RANLIFE
Nov 6, 2018	Warranty Deed, Transfer RANLIFE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2024 · Amount on File
Deed Sale	Oct 3, 2024 · Amount on File
Prior Sale	Nov 6, 2018 · Amount on File
Deed Document Number	20247376151
Prior Transfer Date	Oct 31, 2018
Prior Transfer Doc	0006758176
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1415 GARY ST, CHENEY, WA 99004-1130
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 GARY ST, CHENEY, WA 99004-1130

Mortgage

Document Number	0007128840
Date	Sep 22, 2021
Instrument	7128840

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2051

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1415 GARY ST, CHENEY, WA 99004-1130
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007309197
Date	Sep 21, 2023
Instrument	7309197

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1415 GARY ST, CHENEY, WA 99004-1130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006917393
Date	May 5, 2020
Instrument	6917393

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1415 GARY ST, CHENEY, WA 99004-1130
Document Number	0006829889
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	VISTA TITLE AND ESCROW INC, VISTA TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1415 GARY ST CHENEY WA 990041130, CHENEY, WA 99004-1130

Mortgage

Document Number	0006829889
Date	Aug 7, 2019
Instrument	6829889

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 6, 2018
Property Address	1415 GARY ST, CHENEY, WA 99004-1130
Document Number	0006758176
Instrument Date	Oct 31, 2018
Instrument	6758176
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,565.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1415 GARY ST CHENEY WA 990041130, CHENEY, WA 99004-1130

Mortgage

Document Number	6758177
Date	Nov 6, 2018
Instrument	6758177

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1415 Gary St was $3,863, up 18.6% 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	$3,863.00 (+18.57%)	$351,400 Land $80,000 Building $271,400	$351,400 Land $80,000 Building $271,400
2025	$3,258.00
2024		$292,200 (+35.03%) Land $75,000 Building $217,200	$292,200 (+35.03%) Land $75,000 Building $217,200
2023	$2,450.00 (+2.08%)	$216,400 Land $40,000 Building $176,400	$216,400 Land $40,000 Building $176,400
2022	$2,400.00

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

Flood

FEMA maps place 1415 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 1415 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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