FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$666,297.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
306 W 3RD ST, CHENEY, WA 99004-1411
Mortgage
Document Number
0007517599,
Date
Sep 25, 2026
Instrument
20267517599
Lender
Name
ROCKET MORTGAGE LLC
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Oct 1, 2056
Interest
Rate Type
Adjustable Rate
Rate
5.88%
Initial Type
Adjustable Rate
Adjustable
Adjustable Rate Rider
Max Rate
-1%
August 2022: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SPOKANE WA
Property Address
306 W 3RD ST, CHENEY, WA 99004-1411
Transaction Type
Mortgage
Record Updated
Oct 6, 2022
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0007233695
Date
Aug 22, 2022
Instrument
7233695
Lender
Name
SPOKANE TEACHERS CU
Type
Credit Union
Address
LIBERTY LAKE, WA 99019
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
Aug 21, 2052
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
December 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SPOKANE WA
Property Address
306 W 3RD ST, CHENEY, WA 99004-1411
Document Number
0006873865
Instrument Date
Dec 9, 2019
Transaction Type
Mortgage
Record Updated
Jan 10, 2020
Title Company
WFG LENDER SERVICES, WFG LENDER SVCS
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Separate Estate/Property
Address
306 W 3RD ST CHENEY WA 990041411, CHENEY, WA 99004-1411
Mortgage
Document Number
0006873865
Date
Dec 16, 2019
Instrument
6873865
Lender
Name
LAKEVIEW LN SERVICING
Type
Funding / Finance Company
Address
CORAL GABLES, FL 33146
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Dec 15, 2049
July 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
SPOKANE WA
Recording Date
Jul 16, 2018
Property Address
306 W 3RD ST, CHENEY, WA 99004-1411
Document Number
0006724978
Map Reference
VOL A PG52
Instrument Date
Jul 9, 2018
Instrument
6724978
Transaction Type
Transfer
Record Updated
May 12, 2021
Title Company
SPOKANE COUNTY TITLE CO
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$4,330.40
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
00000
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
306 W 3RD ST, CHENEY, WA 99004-1411
Mortgage
Document Number
0006724979
Date
Jul 16, 2018
Instrument
6724979
Lender
Name
FAIRWAY INDEPENDENT MORTGAGE CORP
Type
Mortgage Company
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Aug 1, 2048
Tax Assessment & Valuation
The 2026 property tax bill for 306 W 3rd St was $4,704, up 1.7% from the year before.
Source: Spokane County assessment roll, as of September 16, 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
$4,704.00 (+1.71%)
$426,800Land $90,000Building $336,800
$426,800Land $90,000Building $336,800
2025
$4,625.00
2024
$408,100 (+48.56%)Land $80,000Building $328,100
$408,100 (+48.56%)Land $80,000Building $328,100
2023
$3,417.00 (+12.25%)
$274,700Land $48,000Building $226,700
$274,700Land $48,000Building $226,700
2022
$3,044.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 306 W 3rd St in Zone X, an area of minimal flood risk.
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
Wildfire risk around 306 W 3rd St is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 48% of the US · lower than 63% of Washington
Wildfire Likelihood
0.09% annual chance
Exposure
Indirect within ember reach
Adjoins Burnable Land
Yes
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 304 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
May also be available: CenturyLink, T-Mobile, Verizon.