26425 S Phillips Rd, Cheney, WA 99004 Property Records

Spokane County property record for 26425 S Phillips Rd, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,388 sqft · built 2019
Lot Size	4.56 acres (199,069 sqft)
Owner	2 Individual Names on File
Last Sale	$32,500 (May 2019)
Tax Bill	$5,839 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12072.9005`

Property Details

APN / Parcel Number

Primary APN	`12072.9005`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	9 Rooms
Building Area	3,388 sqft Living Area
Gross Area	4,294 sqft
1st Floor Area	1,783 sqft
Basement Area	1,783 sqft
Finished Basement	1,605 sqft
Unfinished Basement	178 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	199,069 sqft
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	341 sqft
Patio Area	767 sqft
Canopy	767 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	26425 S PHILLIPS RD
City	CHENEY
State	WA
Zip	99004-8958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	07 22 41 S700 OF W300 OF GOV LT 2 EXC CO RD
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	AMBER-CHENEY SOUTH
Census Block Group	2
Census Block	2039
Census Tract	14200

Owner

26425 S Phillips Rd is owned by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4904 W LAMAR AVE, SPOKANE, WA 99208-9132
Owner Type	Individual
Vesting	Married Couple

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
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Oct 6, 2020	Deed of Trust, Mortgage MOUNTAIN W BK DIV/GLACIER B
Aug 26, 2019	Intrafamily Transfer, Transfer · Construction Mortgage MOUNTAIN WEST BANK
May 3, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on File
Deed Sale	May 3, 2019 · Amount on File
Prior Sale	Jul 2, 1999
Deed Document Number	20196802509
Last Transfer Date	Aug 23, 2019
Transfer Doc	0006835702
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Aug 19, 2026
Property Address	26425 S PHILLIPS RD, CHENEY, WA 99004-8958
Document Number	0007509627
Instrument Date	Aug 10, 2026
Instrument	20267509627
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26425 S PHILLIPS RD, CHENEY, WA 99004-8958

Mortgage

Document Number	0007509627,
Date	Aug 19, 2026
Instrument	20267509627

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	26425 S PHILLIPS RD, CHENEY, WA 99004-8958
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007087559
Date	Jun 14, 2021
Instrument	7087559

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	CHENEY, WA 99004
Document Number	0006980485
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26425 PHILLIPS RD CHENEY WA 99004, CHENEY, WA 99004

Mortgage

Document Number	0006980485
Date	Oct 13, 2020
Instrument	6980485

Lender

Name	MOUNTAIN W BK DIV/GLACIER B
Address	COEUR D ALENE, ID 83814

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Aug 26, 2019
Property Address	CHENEY, WA 99004
Document Number	0006835702
Instrument Date	Aug 23, 2019
Instrument	6835702
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	SPOKANE COUNTY TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 W LAMAR AVE, SPOKANE, WA 99208-9132

Mortgage

Document Number	0006835703
Date	Aug 26, 2019
Instrument	6835703

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.25%
Index	1-Year CMT
Margin	3
Max Rate	9.25%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 3, 2019
Property Address	CHENEY, WA 99004
Document Number	0006802509
Instrument Date	Apr 15, 2019
Instrument	6802509
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$583.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4904 W LAMAR AVE SPOKANE WA 992089132, SPOKANE, WA 99208-9132

Tax Assessment & Valuation

The 2026 property tax bill for 26425 S Phillips Rd was $5,839, up 0.7% 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	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,839.00 (+0.74%)	$629,340 Land $75,640 Building $553,700	$629,340 Land $75,640 Building $553,700
2025	$5,796.00
2024		$556,020 (+34.94%) Land $51,420 Building $504,600	$556,020 (+34.94%) Land $51,420 Building $504,600
2023	$4,628.00 (+7.48%)	$412,050 Land $37,850 Building $374,200	$412,050 Land $37,850 Building $374,200
2022	$4,306.00

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

Flood

FEMA maps place 26425 S Phillips Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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	2 in force
Nearby Flood Claims	2 (2014)
Most Recent Claim	Mar 2014

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 26425 S Phillips Rd is high, ranking above 88% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 88% of the US · above 70% of Washington
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ziply Fiber Fixed Wireless	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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