214 5th St, Cheney, WA 99004 Property Records

Spokane County property record for 214 5th St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1928
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$161,500 (Nov 2020)
Tax Bill	$2,670 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13132.4307`

Property Details

APN / Parcel Number

Primary APN	`13132.4307`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,322 sqft
1st Floor Area	936 sqft
Upper Floors Area	450 sqft
Basement Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	48 sqft
Canopy	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	214 5TH ST
City	CHENEY
State	WA
Zip	99004-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHENEY TOWN OF L8 B43
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	CHENEY
Legal Block	43
Legal Lot Number	8
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	1
Census Block	1008
Census Tract	14001

Owner

214 5th St is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	214 5TH ST, CHENEY, WA 99004-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Mar 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage RBC BANK USA
Nov 10, 2020	Warranty Deed, Transfer · Conventional with PMI RBC BK (GEORGIA) NA
Nov 10, 2020	Quit Claim Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	Mar 23, 2006 · Amount on File
Deed Document Number	20206993246
Prior Transfer Date	Nov 11, 2014
Prior Transfer Doc	0006412899
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	214 5TH ST, CHENEY, WA 99004-1524
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	ATG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007270649
Date	Mar 2, 2023
Instrument	7270649

Lender

Name	RBC BANK USA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2026
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	Other
Margin	3
Max Rate	11.6%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 10, 2020
Property Address	214 5TH ST, CHENEY, WA 99004-1524
Document Number	0006993246
Instrument Date	Nov 4, 2020
Instrument	6993246
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3221 119TH ST NW #26 CHENEY WA 99004, 26, CHENEY, WA 99004

Mortgage

Document Number	6993292
Date	Nov 10, 2020
Instrument	6993292

Lender

Name	RBC BK (GEORGIA) NA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 10, 2020
Property Address	214 5TH ST, CHENEY, WA 99004-1524
Document Number	0006993291
Instrument Date	Nov 3, 2020
Instrument	6993291
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3221 119TH ST NW

Tax Assessment & Valuation

The 2026 property tax bill for 214 5th St was $2,670, up 1.5% 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	$2,670.00 (+1.48%)	$255,200 Land $60,000 Building $195,200	$255,200 Land $60,000 Building $195,200
2025	$2,631.00
2024		$272,600 (+39.29%) Land $75,000 Building $197,600	$272,600 (+39.29%) Land $75,000 Building $197,600
2023	$2,287.00 (+5.29%)	$195,700 Land $40,000 Building $155,700	$195,700 Land $40,000 Building $155,700
2022	$2,172.00

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

Flood

FEMA maps place 214 5th 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 214 5th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 304 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

May also be available: CenturyLink, T-Mobile, Verizon.

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