18 N 3rd St, Cheney, WA 99004 Property Records

Spokane County property record for 18 N 3rd St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,884 sqft · built 1911
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Mar 2021)
Tax Bill	$3,101 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13124.1511`

Property Details

APN / Parcel Number

Primary APN	`13124.1511`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	2,094 sqft
1st Floor Area	1,047 sqft
Upper Floors Area	1,047 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Patio Area	36 sqft
Canopy	36 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	18 N 3RD ST
City	CHENEY
State	WA
Zip	99004-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CHENEY NORMAL ADD TO CITY OF LTS 3 AND 4 BLK 15 EXC N40FT
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	CHENEY NORMAL ADD
Legal Block	15
Legal Lot Number	3,4
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3044
Census Tract	14001

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	18 N 3RD ST, CHENEY, WA 99004-2118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 26, 2021	Warranty Deed, Transfer · FHA Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Dec 29, 2005 · Amount on Record
Deed Document Number	20217053260
Prior Transfer Date	Dec 21, 2005
Prior Transfer Doc	0005324519
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Apr 17, 2026
Property Address	18 N 3RD ST, CHENEY, WA 99004-2118
Document Number	0007482937
Instrument Date	Apr 11, 2026
Instrument	20267482937
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 N 3RD ST, CHENEY, WA 99004-2118

Mortgage

Document Number	0007482937,
Date	Apr 17, 2026
Instrument	20267482937

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Apr 17, 2026
Property Address	18 N 3RD ST, CHENEY, WA 99004-2118
Document Number	0007482937
Instrument Date	Apr 11, 2026
Instrument	20267482937
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE (RECORDING SERVIC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 N 3RD ST, CHENEY, WA 99004-2118

Mortgage

Document Number	0007482937,
Date	Apr 17, 2026
Instrument	20267482937

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 26, 2021
Property Address	18 N 3RD ST, CHENEY, WA 99004-2118
Document Number	0007053260
Map Reference	VOL K PG 1
Instrument Date	Mar 22, 2021
Instrument	7053260
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	TRICO TITLE COMPANY, TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,203.40
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	18 N 3RD ST, CHENEY, WA 99004-2118

Mortgage

Document Number	0007053261
Date	Mar 26, 2021
Instrument	7053261

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,101.00 (+3.44%)	$294,100 (+5.75%) Land $80,000 Building $214,100	$294,100 (+5.75%) Land $80,000 Building $214,100
2025	$2,998.00 (+24.14%)	$278,100 (-3.44%) Land $70,000 Building $208,100	$278,100 (-3.44%) Land $70,000 Building $208,100
2024		$288,000 (+39.87%) Land $75,000 Building $213,000	$288,000 (+39.87%) Land $75,000 Building $213,000
2023	$2,415.00 (+5.74%)	$205,900 Land $40,000 Building $165,900	$205,900 Land $40,000 Building $165,900
2022	$2,284.00

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	Moderate above 46% of the US · lower than 64% of Washington
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within 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 CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	1,000 / 1,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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