209 Elm St, Cheney, WA 99004 Property Records

Spokane County property record for 209 Elm St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 870 sqft · built 1964
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Apr 2022)
Tax Bill	$2,910 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13124.1608`

Property Details

APN / Parcel Number

Primary APN	`13124.1608`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	870 sqft Living Area
Gross Area	1,156 sqft
1st Floor Area	870 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	84 sqft
Patio Area	84 sqft
Canopy	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	209 ELM ST
City	CHENEY
State	WA
Zip	99004-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHENEY NORMAL ADD TO THE CITY OF W60FT OF LTS 5 & 6 BLK 16
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	CHENEY NORMAL ADD
Legal Block	16
Legal Lot Number	5,6
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3045
Census Tract	14001

Owner

209 Elm St is owned and occupied by an individual who bought it in April 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	209 ELM ST, CHENEY, WA 99004-2109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHENEY FCU
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 9, 2019	Warranty Deed, Transfer · Conventional Mortgage WHEATLAND BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2022 · Amount on File
Deed Sale	Apr 5, 2022 · Amount on File
Prior Sale	May 9, 2019 · Amount on File
Deed Document Number	20227195968
Prior Transfer Date	Mar 4, 2011
Prior Transfer Doc	0005992794
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	209 ELM ST, CHENEY, WA 99004-2109
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006966845
Date	Sep 11, 2020
Instrument	6966845

Lender

Name	CHENEY FCU
Type	Credit Union
Address	CHENEY, WA 99004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 5, 2022
Property Address	209 ELM ST, CHENEY, WA 99004-2109
Document Number	0007195968
Map Reference	VOL K PG 1
Instrument Date	Apr 4, 2022
Instrument	7195968
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,885.00
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	209 ELM ST, CHENEY, WA 99004-2109

Mortgage

Document Number	0007195969
Date	Apr 5, 2022
Instrument	7195969

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 9, 2019
Property Address	209 ELM ST, CHENEY, WA 99004-2109
Document Number	0006803953
Map Reference	VOL K PG 1
Instrument Date	May 8, 2019
Instrument	6803953
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 ELM ST, CHENEY, WA 99004-2109

Mortgage

Document Number	0006803954
Date	May 9, 2019
Instrument	6803954

Lender

Name	WHEATLAND BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 209 Elm St was $2,910, up 3.3% from the year before.

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	$2,910.00 (+3.34%)	$267,400 Land $60,000 Building $207,400	$267,400 Land $60,000 Building $207,400
2025	$2,816.00
2024		$245,000 (+43.11%) Land $75,000 Building $170,000	$245,000 (+43.11%) Land $75,000 Building $170,000
2023	$2,056.00 (+8.15%)	$171,200 Land $40,000 Building $131,200	$171,200 Land $40,000 Building $131,200
2022	$1,901.00

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

Flood

FEMA maps place 209 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 209 Elm St is moderate, ranking above 46% of the US, with a 0.08% annual chance of 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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