1525 E 20th Ave, Spokane, WA 99203 Property Records

Spokane County property record for 1525 E 20th Ave, Spokane, WA 99203

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,648 sqft · built 1940
Lot Size	0.334 acres (14,550 sqft)
Owner	Individual Name on File
Last Sale	$1,275,000 (Sep 2024)
Tax Bill	$12,899 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35282.1134`

Property Details

APN / Parcel Number

Primary APN	`35282.1134`
Alternative APN	`352821132`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,648 sqft Living Area
Gross Area	4,148 sqft
1st Floor Area	2,258 sqft
Basement Area	1,390 sqft
Finished Basement	1,390 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	14,550 sqft (0.334 acres)
Lot Dimensions	150 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Street Address	1525 E 20TH AVE
City	SPOKANE
State	WA
Zip	99203-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	HOUGHTON & CALLAHANS ADD L7-8 B38 TOG/W W1/2 OF VAC HELENA ST ADJ TO L7 B38. EXC W 33 FT OF SD L8.
Legal Subdivision	HOUGHTON & CALLAHANS ADD
Legal Block	38
Legal Lot Number	7-8,7
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1000
Census Tract	4500

Owner

Source: Spokane County assessment roll, 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	Individual Name on File
Mailing Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Aug 25, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Mar 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage INLAND NORTHWEST BANK
Dec 21, 2018	Warranty Deed, Transfer · ARM WASHINGTON TRUST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 10, 2024 · Amount on Record
Deed Sale	Sep 10, 2024 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	20247371590
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007183288
Date	Feb 24, 2022
Instrument	7183288

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company
Address	RICHARDSON, TX 75083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 25, 2021
Property Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720
Document Number	0007118116
Map Reference	VOL A PG 200&201
Instrument Date	Aug 20, 2021
Instrument	7118116
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$21,568.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006692542
Date	Mar 20, 2018
Instrument	6692542

Lender

Name	INLAND NORTHWEST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 21, 2018
Property Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720
Document Number	0006771087
Map Reference	VOL A PG 200
Instrument Date	Dec 19, 2018
Instrument	6771087
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$13,951.29
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 E 20TH AVE, SPOKANE, WA 99203-3720

Mortgage

Document Number	0006771088
Date	Dec 21, 2018
Instrument	6771088

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	10.1%
Index	1-Year LIBOR
Max Rate	10.1%

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 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	$12,899.00 (+7.26%)	$1,212,100 (-2.95%) Land $135,000 Building $1,077,100	$1,212,100 (-2.95%) Land $135,000 Building $1,077,100
2025	$12,026.00 (-1.35%)
2024		$1,249,000 (+55.14%) Land $110,000 Building $1,139,000	$1,249,000 (+55.14%) Land $110,000 Building $1,139,000
2023	$12,190.00 (+29.69%)	$805,100 Land $85,000 Building $720,100	$805,100 Land $85,000 Building $720,100
2022	$9,399.00

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

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	1 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	Low lower than 95% of the US · lower than 97.1% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Concept Communications Fixed Wireless	100 / 20

May also be available: Newmax, T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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