3 N 3rd St, Cheney, WA 99004 Property Records

Spokane County property record for 3 N 3rd St, Cheney, WA 99004

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,594 sqft · built 1961
Lot Size	0.301 acres (13,125 sqft)
Owner	Individual Name on Record
Last Sale	$343,500 (Jul 2026)
Tax Bill	$4,192 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13124.1605`

Property Details

APN / Parcel Number

Primary APN	`13124.1605`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,594 sqft Living Area
Gross Area	3,174 sqft
1st Floor Area	1,350 sqft
Basement Area	660 sqft
Finished Basement	600 sqft
Unfinished Basement	60 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	200 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	3 N 3RD ST
City	CHENEY
State	WA
Zip	99004-2117
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Description	CHENEY NORMAL ADD TO THE CITY OF L7-8 B16
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	CHENEY NORMAL ADD
Legal Block	16
Legal Lot Number	7-8
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3045
Census Tract	14001

Owner

Source: Spokane County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3 N 3RD ST, CHENEY, WA 99004-2117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Document Number	20267505858
Prior Transfer Date	Apr 30, 2008
Prior Transfer Doc	0005689708
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 31, 2026
Property Address	3 N 3RD ST, CHENEY, WA 99004-2117
Document Number	0007505858
Instrument Date	Jul 31, 2026
Instrument	20267505858
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555,601.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 N 3RD ST, CHENEY, WA 99004-2117

Mortgage

Document Number	0007505859,
Date	Jul 31, 2026
Instrument	20267505859

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 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	$4,192.00 (+4.28%)	$380,800 (+1.17%) Land $90,000 Building $290,800	$380,800 (+1.17%) Land $90,000 Building $290,800
2025	$4,020.00 (+40.17%)	$376,400 (+9.96%) Land $80,000 Building $296,400	$376,400 (+9.96%) Land $80,000 Building $296,400
2024		$342,300 (+32.11%) Land $80,000 Building $262,300	$342,300 (+32.11%) Land $80,000 Building $262,300
2023	$2,868.00 (-0.14%)	$259,100 Land $48,000 Building $211,100	$259,100 Land $48,000 Building $211,100
2022	$2,872.00

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 · 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 64% of Washington
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within 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 264 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
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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