Spokane County property record for 25815 E River Rd, Otis Orchards, WA 99027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,032 sqft · built 1959 |
| Lot Size | 1 acre (43,947 sqft) |
| Owner | Individual Name on File |
| Last Sale | $438,240 (Aug 2026) |
| Tax Bill | $3,660 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 55012.0123 |
| Primary APN | 55012.0123 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,032 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2026 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,947 sqft |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 192 sqft |
| Patio Area | 288 sqft |
| Canopy | 288 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 25815 E RIVER RD |
|---|---|
| City | OTIS ORCHARDS |
| State | WA |
| Zip | 99027-9446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RCV |
| Legal Description | E FARMS IRR TRS PLAT 1 PTN OF TR 11 DAF: BEG MOST ELY COR TR1 1 TH SWLY ALONG SELY LN 150FT TH NWLY 389.53FT PAR TO NELY LN SD TR TH E140.62FT PAR WITH N LN TO PT ON NELY LN OF SD TR TH SELY A LONG NELY LN TO POB |
| Legal Range | 45E |
| Legal Township | 25N |
| Legal Section | 01 |
| Legal Subdivision | EAST FARMS IRRIGATED 01 |
| Legal Tract | 11 |
| Legal Lot Number | 11 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | LIBERTY LAKE |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 13201 |
25815 E River Rd is owned and occupied by an individual who bought it in August 2026.
Source: Spokane County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 21, 2026 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Oct 30, 2025 | Deed of Trust, Mortgage · Line of Credit NEXA MORTGAGE LLC |
| Nov 14, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Jan 14, 2020 | Quit Claim Deed, Transfer SPOKANE TEACHERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2026 · Amount on File |
| Deed Sale | Aug 21, 2026 · Amount on File |
| Prior Sale | Dec 9, 2015 · Amount on File |
| Deed Document Number | 20267510204 |
| Prior Transfer Date | Jan 10, 2020 |
| Prior Transfer Doc | 0006882482 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Aug 21, 2026 |
| Property Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Document Number | 0007510204 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20267510204 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $708,700.84 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Document Number | 0007510205, |
|---|---|
| Date | Aug 21, 2026 |
| Instrument | 20267510205 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0007450217 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 7450217 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MESA, AZ 85212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 17, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007253047 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 7253047 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 5, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007140195 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 7140195 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Jan 14, 2020 |
| Property Address | 25815 E RIVER RD, OTIS ORCHARDS, WA 99027-9446 |
| Document Number | 0006882482 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 6882482 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2020 |
| Title Company | WFG INSURED |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 25815 E RIVER RD OTIS ORCHARDS WA 990279446, OTIS ORCHARDS, WA 99027-9446 |
| Document Number | 6882483 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 6882483 |
| Name | SPOKANE TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | LIBERTY LAKE, WA 99019 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 13, 2050 |
The 2026 property tax bill for 25815 E River Rd was $3,660, up 7.6% from the year before.
Source: Spokane County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Unified School District | East Valley School District (Spokane) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,660.00 (+7.65%) | $356,960 Land $123,560 Building $233,400 | $356,960 Land $123,560 Building $233,400 |
| 2025 | $3,400.00 | ||
| 2024 | $326,350 (+26.44%) Land $90,250 Building $236,100 | $326,350 (+26.44%) Land $90,250 Building $236,100 | |
| 2023 | $3,267.00 (+4.95%) | $258,100 Land $76,000 Building $182,100 | $258,100 Land $76,000 Building $182,100 |
| 2022 | $3,113.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25815 E River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 25815 E River Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 72% of Washington |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Wired or Wireless Fixed Wireless · not low latency | 200 / 40 |
| Wind Wireless Fixed Wireless | 100 / 20 |
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