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

Spokane County property record for 204 N 3rd St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,742 sqft · built 1911
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (May 2023)
Tax Bill	$4,649 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13124.0704`

Property Details

APN / Parcel Number

Primary APN	`13124.0704`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,742 sqft Living Area
Gross Area	2,022 sqft
1st Floor Area	960 sqft
Upper Floors Area	582 sqft
Basement Area	480 sqft
Finished Basement	200 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	2,000 sqft
Parking Spaces	12 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	210 sqft
Deck Area	90 sqft
Canopy	90 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	204 N 3RD ST
City	CHENEY
State	WA
Zip	99004-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CHENEY NORMAL ADD TO THE CITY OF S1/2 OF L4;ALL L5 B7
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	CHENEY NORMAL ADD
Legal Block	7
Legal Lot Number	4,5
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3037
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	Individual Name on Record
Mailing Address	204 N 3RD ST, CHENEY, WA 99004-2122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on Record
Deed Sale	May 11, 2023 · Amount on Record
Prior Sale	Jan 16, 2015 · Amount on Record
Deed Document Number	20237283650
Prior Transfer Date	Mar 31, 2010
Prior Transfer Doc	0005899284
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 11, 2023
Property Address	204 N 3RD ST, CHENEY, WA 99004-2122
Document Number	0007283650
Map Reference	VOL K PG 1
Instrument Date	May 9, 2023
Instrument	7283650
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,389.00
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	204 N 3RD ST, CHENEY, WA 99004-2122

Mortgage

Document Number	0007283651
Date	May 11, 2023
Instrument	7283651

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	204 N 3RD ST, CHENEY, WA 99004-2122
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006617481
Date	Jun 30, 2017
Instrument	6617481

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$4,649.00 (+4.14%)	$433,200 (+26.7%) Land $85,000 Building $348,200	$433,200 (+26.7%) Land $85,000 Building $348,200
2025	$4,464.00 (+55.81%)
2024		$341,900 (+34.82%) Land $75,000 Building $266,900	$341,900 (+34.82%) Land $75,000 Building $266,900
2023	$2,865.00 (+1.92%)	$253,600 Land $40,000 Building $213,600	$253,600 Land $40,000 Building $213,600
2022	$2,811.00

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 62% of the US · lower than 69% of Washington
Wildfire Likelihood	0.05% 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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