1909 E Westminster Ln, Spokane, WA 99223 Property Records

Spokane County property record for 1909 E Westminster Ln, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 5,612 sqft · built 1990
Lot Size	1.11 acres (48,378 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Nov 2023)
Tax Bill	$12,504 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34092.3905`

Property Details

APN / Parcel Number

Primary APN	`34092.3905`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,612 sqft Living Area
Gross Area	6,536 sqft
1st Floor Area	2,108 sqft
2nd Floor Area	1,752 sqft
Upper Floors Area	1,302 sqft
Basement Area	1,752 sqft
Finished Basement	1,752 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Concrete
Lot Area	48,378 sqft
Lot Width	167 ft Width
Garage Type	Attached
Garage Area	924 sqft
Parking Spaces	4 Parking Spaces
Deck Area	60 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1909 E WESTMINSTER LN
City	SPOKANE
State	WA
Zip	99223-8434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	SOUTH RIDGE VIEW 7TH ADD LT 5 BLK 1
Legal Range	43E
Legal Township	24N
Legal Section	09
Legal Subdivision	SOUTH RIDGE VIEW
Legal Block	1
Legal Lot Number	5
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2002
Census Tract	5000

Owner

Source: Spokane County records, 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	2 Individual Names on Record
Mailing Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON TRUST BANK
Sep 10, 2021	Deed of Trust, Mortgage · Line of Credit COLUMBIA STATE BANK
Sep 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON TRUST BANK
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20237316815
Prior Transfer Date	Feb 5, 2007
Prior Transfer Doc	0005494834
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 1, 2023
Property Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434
Document Number	0007316815
Map Reference	VOL 17 PG 95
Instrument Date	Oct 30, 2023
Instrument	7316815
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,640.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434

Mortgage

Document Number	0007316816
Date	Nov 1, 2023
Instrument	7316816

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	12.5%
Index	1-Year CMT
Max Rate	12.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007124535
Date	Sep 10, 2021
Instrument	7124535

Lender

Name	COLUMBIA STATE BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006839103
Date	Sep 5, 2019
Instrument	6839103

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 19, 2020
Property Address	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434
Document Number	0006983064
Map Reference	VOL 17 PG 95
Instrument Date	Oct 16, 2020
Instrument	6983064
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,392.00
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	1909 E WESTMINSTER LN, SPOKANE, WA 99223-8434

Mortgage

Document Number	0006983065
Date	Oct 19, 2020
Instrument	6983065

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,504.00 (+12.68%)	$1,187,230 (+5.76%) Land $235,630 Building $951,600	$1,187,230 (+5.76%) Land $235,630 Building $951,600
2025	$11,097.00 (-1.83%)	$1,122,600 (-3.35%) Land $165,000 Building $957,600	$1,122,600 (-3.35%) Land $165,000 Building $957,600
2024	$11,304.00 (-2.79%)	$1,161,500 (+29.1%) Land $156,000 Building $1,005,500	$1,161,500 (+29.1%) Land $156,000 Building $1,005,500
2023	$11,628.00 (+5.59%)	$899,700 Land $156,000 Building $743,700	$899,700 Land $156,000 Building $743,700
2022	$11,012.00

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 57% of the US · above 40% of Washington
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 139 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
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Intermax Networks.

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