20915 E Watson Ln, Otis Orchards, WA 99027 Property Records

Spokane County property record for 20915 E Watson Ln, Otis Orchards, WA 99027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,974 sqft · built 1996
Lot Size	10.3 acres (449,539 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Jul 2021)
Tax Bill	$7,248 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`56283.9043`

Property Details

APN / Parcel Number

Primary APN	`56283.9043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,974 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	1,574 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	449,539 sqft
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	8 Parking Spaces
Deck Area	300 sqft
Patio Area	400 sqft
Canopy	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20915 E WATSON LN
City	OTIS ORCHARDS
State	WA
Zip	99027-8235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	28-26-45 TR F R.O.S. #9407260191, BEING A PTN OF S1/2 OF SW1/4, EXC CO RDS
Legal Range	45
Legal Township	26
Legal Section	28
Legal Tract	F
Jurisdiction	SPOKANE WA
Township / Civil Division	MOUNT SPOKANE
Census Block Group	1
Census Block	1014
Census Tract	10101

Owner

20915 E Watson Ln is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20915 E WATSON LN, OTIS ORCHARDS, WA 99027-8235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jul 30, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Aug 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Mar 14, 2001
Deed Document Number	20217107657
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	0006551895
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	20915 E WATSON LN, OTIS ORCHARDS, WA 99027-8235
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007059824
Date	Apr 12, 2021
Instrument	7059824

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99218

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 30, 2021
Property Address	20915 E WATSON LN, OTIS ORCHARDS, WA 99027-8235
Document Number	0007107657
Instrument Date	Jul 21, 2021
Instrument	7107657
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$10,230.00
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	20915 E WATSON LN, OTIS ORCHARDS, WA 99027-8235

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	20915 E WATSON LN, OTIS ORCHARDS, WA 99027-8235
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006828344
Date	Aug 2, 2019
Instrument	6828344

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99212

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 20915 E Watson Ln was $7,248, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	East Valley School District (Spokane) (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,248.00 (+4.02%)	$757,600 Land $218,600 Building $539,000	$757,600 Land $218,600 Building $539,000
2025	$6,968.00
2024		$667,800 (+50.11%) Land $179,600 Building $488,200	$667,800 (+50.11%) Land $179,600 Building $488,200
2023	$6,366.00 (+23.23%)	$444,880 Land $131,280 Building $313,600	$444,880 Land $131,280 Building $313,600
2022	$5,166.00

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

Flood

FEMA maps place 20915 E Watson Ln 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 20915 E Watson Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 67% of Washington
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	CONSOLIDATED IRRIG DIST 19 SYSTEM 2 serves 21,220 people · EPA ID WA5310221
Water Source	Groundwater
Last State Inspection	Jun 2022
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	2 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	50 / 10

May also be available: AT&T, CenturyLink, Intermax Networks, T-Mobile, Xfinity.

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