16512 E Oregon Rd, Elk, WA 99009 Property Records

Spokane County property record for 16512 E Oregon Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,802 sqft · built 2025
Lot Size	19.7 acres (861,181 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,875 (Oct 2023)
Tax Bill	$4,775 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49121.9023`

Property Details

APN / Parcel Number

Primary APN	`49121.9023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	1,802 sqft Living Area
1st Floor Area	1,802 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Custom Design
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	861,181 sqft
Patio Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	16512 E OREGON RD
City	ELK
State	WA
Zip	99009-9783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	12 29 44 E1/2 OF NW1/4 OF NE1/4 EXC CO RDS
Jurisdiction	SPOKANE WA
Township / Civil Division	MOUNT SPOKANE
Census Block Group	1
Census Block	1007
Census Tract	10102

Owner

Source: Spokane County records, as of September 16, 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	16512 E OREGON RD, ELK, WA 99009-9783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage IDAHO CENTRAL CU
Jun 5, 2024	Deed of Trust, Mortgage · Construction Mortgage IDAHO CENTRAL CU
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage IDAHO CENTRAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	20237313510
Prior Transfer Date	Aug 27, 2015
Prior Transfer Doc	0006430346
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	16512 E OREGON RD, ELK, WA 99009-9783
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	UNKNOWN, SPOKANE COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16512 E OREGON RD, ELK, WA 99009-9783

Mortgage

Document Number	0007466278
Date	Jan 26, 2026
Instrument	7466278

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	10.7%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	16512 E OREGON RD, ELK, WA 99009-9783
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16512 E OREGON RD, ELK, WA 99009-9783

Mortgage

Document Number	0007353320
Date	Jun 5, 2024
Instrument	7353320

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 13, 2023
Property Address	16512 E OREGON RD, ELK, WA 99009-9783
Document Number	0007313510
Instrument Date	Oct 12, 2023
Instrument	7313510
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,099.00
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	0007313511
Date	Oct 13, 2023
Instrument	7313511

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.16%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	5.16%
Max Rate At Change	9.16%
Index	SOFR Average 30-Day
Max Rate	12.1%

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 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	$4,775.00 (+135.69%)	$600,680 (+109.3%) Land $149,080 Building $451,600	$600,680 (+109.3%) Land $149,080 Building $451,600
2025	$2,026.00 (+68.97%)
2024		$287,000 (+33.24%) Land $26,000 Building $261,000	$287,000 (+33.24%) Land $26,000 Building $261,000
2023	$1,199.00 (-41.34%) Disabled Person's exemption Senior Citizen's exemption	$215,400 Land $20,000 Building $195,400	$215,400 Land $20,000 Building $195,400
2022	$2,044.00

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

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

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

Wildfire Risk	Moderate above 59% of the US · above 41% 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 8 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	200 / 40
Ziply Fiber Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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