15902 E 20th Ave, Spokane Valley (Veradale), WA 99037 Property Records

Spokane County property record for 15902 E 20th Ave, Spokane Valley, WA 99037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,341 sqft · built 1994
Lot Size	0.306 acres (13,341 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jul 2022)
Tax Bill	$5,910 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45252.2601`

Property Details

APN / Parcel Number

Primary APN	`45252.2601`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,341 sqft Living Area
Gross Area	4,211 sqft
1st Floor Area	1,346 sqft
Upper Floors Area	815 sqft
Basement Area	1,282 sqft
Finished Basement	1,180 sqft
Unfinished Basement	102 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,341 sqft (0.306 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15902 E 20TH AVE
City	SPOKANE VALLEY
State	WA
Zip	99037-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RIDGEMONT ESTATES NORTH 2ND ADDITION LOT 1 BLK 4
Legal Range	44E
Legal Township	25N
Legal Section	25
Legal Subdivision	RIDGEMONT ESTATES NORTH 2ND ADD
Legal Block	4
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2008
Census Tract	13003

Owner

15902 E 20th Ave is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
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
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jul 12, 2022	Warranty Deed, Transfer NOT AVAILABLE, SPOKANE COUNTY TITLE
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 27, 2020	Warranty Deed, Transfer · VA Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on File
Deed Sale	Jul 12, 2022 · Amount on File
Prior Sale	Jul 12, 2022 · Amount on File
Deed Document Number	20227223208
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 12, 2022
Property Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
Document Number	0007223208
Map Reference	VOL 21 PG 62
Instrument Date	Jun 22, 2022
Instrument	7223208
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	NOT AVAILABLE, SPOKANE COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,319.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041

Mortgage

Document Number	0007223209
Date	Jul 12, 2022
Instrument	7223209

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 12, 2022
Property Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
Document Number	0007223181
Map Reference	VOL 21 PG 62
Instrument Date	May 24, 2022
Instrument	7223181
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	NOT AVAILABLE, SPOKANE COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$10,319.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 APPLE RIDGE RD, DANBURY, CT 06810-7301

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007147319
Date	Nov 8, 2021
Instrument	7147319

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006797014
Date	Apr 15, 2019
Instrument	6797014

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 27, 2020
Property Address	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041
Document Number	0006886308
Map Reference	VOL 21 PG 62
Instrument Date	Jan 24, 2020
Instrument	6886308
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,371.40
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	15902 E 20TH AVE, SPOKANE VALLEY, WA 99037-9041

Mortgage

Document Number	0006886309
Date	Jan 27, 2020
Instrument	6886309

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 15902 E 20th Ave was $5,910, down 4.2% 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 Valley City
Unified School District	Central Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,910.00 (-4.18%)	$563,200 Land $145,000 Building $418,200	$563,200 Land $145,000 Building $418,200
2025	$6,168.00
2024		$621,000 (+45.84%) Land $115,000 Building $506,000	$621,000 (+45.84%) Land $115,000 Building $506,000
2023	$5,887.00 (+18.91%)	$425,800 Land $65,000 Building $360,800	$425,800 Land $65,000 Building $360,800
2022	$4,951.00

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

Flood

FEMA maps place 15902 E 20th Ave in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 15902 E 20th Ave is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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	VERA WATER & POWER serves 24,692 people · EPA ID WA5391450
Water Source	Groundwater
Last State Inspection	Nov 2021
Lead	21 ppb (2023–2025) 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wired or Wireless Fixed Wireless · not low latency	200 / 40
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile.

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