2540 S Garfield Rd, Spokane, WA 99203 Property Records

Spokane County property record for 2540 S Garfield Rd, Spokane, WA 99203

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,862 sqft · built 1923
Lot Size	0.251 acres (10,920 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,653 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`35294.1114`

Property Details

APN / Parcel Number

Primary APN	`35294.1114`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,862 sqft Living Area
Gross Area	4,408 sqft
1st Floor Area	1,856 sqft
Attic	Attic
Attic Area	350 sqft
Basement Area	1,656 sqft
Finished Basement	1,656 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1998
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,920 sqft (0.251 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	312 sqft
Shed	1 Shed
Shed Area	96 sqft
Canopy	112 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Heat Pump

Location & Zoning

Street Address	2540 S GARFIELD RD
City	SPOKANE
State	WA
Zip	99203-3365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MANITO PK 2ND PT OF L16 B19 BEG ON WLY LN 77FT 1IN SLY OF NWCOR TH ELY TO ELN 64FT SLY OF NECOR TH SLY&WLY ALG ELY&SLY LN TO SWCOR TH NLY ON WLN TO POB
Legal Range	43E
Legal Township	25N
Legal Section	29
Legal Subdivision	MANITO PK
Legal Block	19
Legal Lot Number	16
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3029
Census Tract	4500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Rockwood Historic District listed 1997 · 279 contributing resources · NRIS 97000320

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2 Individual Names on Record
Mailing Address	2540 S GARFIELD RD, SPOKANE, WA 99203-3365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	2540 S GARFIELD RD, SPOKANE, WA 99203-3365
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007094281
Date	Jun 29, 2021
Instrument	7094281

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 1, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	2540 S GARFIELD RD, SPOKANE, WA 99203-3365
Document Number	0006702945
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 S GARFIELD RD SPOKANE WA 992033365, SPOKANE, WA 99203-3365

Mortgage

Document Number	0006702945
Date	Apr 30, 2018
Instrument	6702945

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Spokane City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,653.00 (-5.44%)	$655,200 (-23.64%) Land $250,000 Building $405,200	$655,200 (-23.64%) Land $250,000 Building $405,200
2025	$8,093.00 (-3.39%)
2024		$858,000 (+30.45%) Land $123,400 Building $734,600	$858,000 (+30.45%) Land $123,400 Building $734,600
2023	$8,377.00 (+9.06%)	$657,730 Land $111,930 Building $545,800	$657,730 Land $111,930 Building $545,800
2022	$7,681.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 0.01% 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 SPOKANE serves 346,138 people · EPA ID WA5383100
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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	None 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Intermax Networks.

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