1509 E Cambridge Ln, Spokane, WA 99203 Property Records

Spokane County property record for 1509 E Cambridge Ln, Spokane, WA 99203

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,729 sqft · built 1991
Lot Size	0.047 acres (2,048 sqft)
Owner	Individual Name on File
Tax Bill	$4,187 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`35332.4831`

Property Details

APN / Parcel Number

Primary APN	`35332.4831`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,729 sqft Living Area
Gross Area	2,257 sqft
1st Floor Area	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,048 sqft (0.047 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Wet Bar	Wet Bar

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1509 E CAMBRIDGE LN
City	SPOKANE
State	WA
Zip	99203-3937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	HARVARD PARK TOWNHOUSES II UNIT 31 BLK 2
Legal Subdivision	HARVARD PARK
Legal Phase	2
Legal Block	2
Legal Unit	31
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1004
Census Tract	4400

Owner

1509 E Cambridge Ln is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1509 E CAMBRIDGE LN, SPOKANE, WA 99203-3937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jan 25, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 20, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 4, 2018	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU
Jun 4, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020
Deed Sale	Aug 21, 2020
Prior Sale	Apr 29, 2016 · Amount on File
Deed Document Number	20206958255
Prior Transfer Date	Aug 19, 2020
Prior Transfer Doc	0006958255
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1509 E CAMBRIDGE LN, SPOKANE, WA 99203-3937
Transaction Type	Mortgage
Record Updated	Jan 31, 2022
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007174759
Date	Jan 25, 2022
Instrument	7174759

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1509 E CAMBRIDGE LN, SPOKANE, WA 99203-3937
Document Number	0006958243
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1509 E CAMBRIDGE LN SPOKANE WA 992033937, SPOKANE, WA 99203-3937

Mortgage

Document Number	0006958243
Date	Aug 21, 2020
Instrument	6958243

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1509 E CAMBRIDGE LN, SPOKANE, WA 99203-3937
Document Number	0006714676
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1509 E CAMBRIDGE LN SPOKANE WA 992033937, SPOKANE, WA 99203-3937

Mortgage

Document Number	0006714676
Date	Jun 8, 2018
Instrument	6714676

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1509 E CAMBRIDGE LN, SPOKANE, WA 99203-3937
Document Number	0006794768
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 22, 2019
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1509 E CAMBRIDGE LN SPOKANE WA 992033937, SPOKANE, WA 99203-3937

Mortgage

Document Number	0006794768
Date	Apr 4, 2019
Instrument	6794768

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1509 E Cambridge Ln was $4,187, down 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
Municipality	Spokane City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,187.00 (-1.64%)	$404,400 (-1.7%) Land $105,000 Building $299,400	$404,400 (-1.7%) Land $105,000 Building $299,400
2025	$4,257.00	$411,400 (+1.03%) Land $105,000 Building $306,400	$411,400 (+1.03%) Land $105,000 Building $306,400
2024		$407,200 (+27.37%) Land $75,000 Building $332,200	$407,200 (+27.37%) Land $75,000 Building $332,200
2023	$3,982.00 (+6.5%)	$319,700 Land $45,000 Building $274,700	$319,700 Land $45,000 Building $274,700
2022	$3,739.00

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

Flood

FEMA maps place 1509 E Cambridge Ln in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1509 E Cambridge Ln 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 99.1% of the US · lower than 99.4% 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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Intermax Networks.

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