14589 E Oregon Rd, Elk, WA 99009 Property Records

Spokane County property record for 14589 E Oregon Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 2025
Lot Size	9.88 acres (430,808 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Apr 2026)
Tax Bill	$3,065 (2026)
Deeds & Mortgages	Nov 2024 Construction Loan Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49023.9024`

Property Details

APN / Parcel Number

Primary APN	`49023.9024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,134 sqft Living Area
Gross Area	1,614 sqft
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	430,808 sqft
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	Deck Area
Patio Area	231 sqft
Canopy	231 sqft
Pole Barn	900 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	14589 E OREGON RD
City	ELK
State	WA
Zip	99009-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	02 29 44 W1/2 OF E1/2 OF SE1/4 OF SW1/4 EXC CO RD
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	3
Census Block	3003
Census Tract	10201

Owner

Source: Spokane County records, as of June 17, 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 Record
Mailing Address	14589 E OREGON RD, ELK, WA 99009-8809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Deed of Trust, Mortgage · Construction Mortgage MOUNTAIN WEST BANK
Sep 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Mar 24, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MILRAY C HOWELL ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Mar 24, 2023 · Amount on Record
Deed Document Number	20267484575
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	14589 E OREGON RD, ELK, WA 99009-8809
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007386483
Date	Nov 27, 2024
Instrument	7386483

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	12.6%
Index	1-Year CMT
Margin	3
Max Rate	12.6%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	14589 E OREGON RD, ELK, WA 99009-8809
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14589 E OREGON RD, ELK, WA 99009-8809

Mortgage

Document Number	0007442643
Date	Sep 23, 2025
Instrument	7442643

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 24, 2026
Property Address	14589 E OREGON RD, ELK, WA 99009-8809
Document Number	0007484575
Instrument Date	Apr 24, 2026
Instrument	2026.7484575
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$866,883.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14589 E OREGON RD, ELK, WA 99009-8809

Mortgage

Document Number	0007484576,
Date	Apr 24, 2026
Instrument	2026.7484576

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 24, 2023
Property Address	14589 E OREGON RD, ELK, WA 99009-8809
Document Number	0007274702
Instrument Date	Mar 21, 2023
Instrument	7274702
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIOINAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,205.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007274703
Date	Mar 24, 2023
Instrument	7274703

Lender

Name	MILRAY C HOWELL ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,065.00 (+193.3%)	$509,150 (+394.8%) Land $109,450 Building $399,700	$509,150 (+394.8%) Land $109,450 Building $399,700
2025	$1,045.00 (-81.71%)	$102,900 (+12.66%) Land $102,900	$102,900 (+12.66%) Land $102,900
2024		$91,340 (+20.74%) Land $91,340	$91,340 (+20.74%) Land $91,340
2023	$5,715.00 (+13,190.7%)	$75,650 Land $75,650	$75,650 Land $75,650
2022	$43.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	3 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

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

Wildfire Risk	Moderate above 57% of the US · above 40% of Washington
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
KnightCom Fixed Wireless	499 / 285
Wired or Wireless Fixed Wireless · not low latency	30 / 10
Ziply Fiber Fixed Wireless	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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