22018 N Saddle Mountain Ln, Colbert, WA 99005 Property Records

Spokane County property record for 22018 N Saddle Mountain Ln, Colbert, WA 99005

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 5,014 sqft · built 1999
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$955,000 (Apr 2019)
Tax Bill	$15,340 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37081.9053`

Property Details

APN / Parcel Number

Primary APN	`37081.9053`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,014 sqft Living Area
Gross Area	6,566 sqft
1st Floor Area	2,639 sqft
Basement Area	2,639 sqft
Finished Basement	2,375 sqft
Unfinished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Concrete
Lot Area	435,600 sqft
Garage Type	Attached
Garage Area	1,288 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Deck Area	300 sqft
Patio Area	132 sqft
Canopy	132 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22018 N SADDLE MOUNTAIN LN
City	COLBERT
State	WA
Zip	99005-9081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	08-27-43 N1/2 OF S1/2 OF NW1/4 OF NE1/4
Legal Range	43
Legal Township	27
Legal Section	08
Jurisdiction	SPOKANE WA
Township / Civil Division	DEER PARK
Census Block Group	3
Census Block	3013
Census Tract	10305

Owner

22018 N Saddle Mountain Ln is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	22018 N SADDLE MOUNTAIN LN, COLBERT, WA 99005-9081
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
Jan 20, 2021	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST BANK
Apr 26, 2019	Warranty Deed, Transfer · Conventional Mortgage MOUNTAIN WEST BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Prior Sale	May 11, 2012 · Amount on File
Deed Document Number	20196800268
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	22018 N SADDLE MOUNTAIN LN, COLBERT, WA 99005-9081
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007023715
Date	Jan 20, 2021
Instrument	7023715

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	HAYDEN, ID 83835

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	22018 N SADDLE MOUNTAIN LN, COLBERT, WA 99005-9081
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007023374
Date	Jan 19, 2021
Instrument	7023374

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 26, 2019
Property Address	22018 N SADDLE MOUNTAIN LN, COLBERT, WA 99005-9081
Document Number	0006800268
Instrument Date	Apr 11, 2019
Instrument	6800268
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,004.00
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	22018 N SADDLE MOUNTAIN LN, COLBERT, WA 99005-9081

Mortgage

Document Number	0006800269
Date	Apr 26, 2019
Instrument	6800269

Lender

Name	MOUNTAIN WEST BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 22018 N Saddle Mountain Ln was $15,340, up 7.6% 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	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,340.00 (+7.58%)	$1,526,800 Land $306,600 Building $1,220,200	$1,526,800 Land $306,600 Building $1,220,200
2025	$14,259.00
2024		$1,401,400 (+28.78%) Land $261,100 Building $1,140,300	$1,401,400 (+28.78%) Land $261,100 Building $1,140,300
2023	$12,679.00 (+6.93%)	$1,088,200 Land $228,200 Building $860,000	$1,088,200 Land $228,200 Building $860,000
2022	$11,857.00

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

Flood

FEMA maps place 22018 N Saddle Mountain Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 22018 N Saddle Mountain 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	WHITWORTH WATER DISTRICT 2 serves 26,883 people · EPA ID WA5396601
Water Source	Groundwater
Last State Inspection	Apr 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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20

May also be available: Ardent Networks, AT&T, KnightCom, T-Mobile.

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