320 W Spruce Ct, Spokane, WA 99218 Property Records

Spokane County property record for 320 W Spruce Ct, Spokane, WA 99218

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,613 sqft · built 1972
Lot Size	0.42 acres (18,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Mar 2023)
Tax Bill	$4,472 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36071.0904`

Property Details

APN / Parcel Number

Primary APN	`36071.0904`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Building Area	2,613 sqft Living Area
Gross Area	3,506 sqft
1st Floor Area	1,513 sqft
Basement Area	1,513 sqft
Finished Basement	1,100 sqft
Unfinished Basement	413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,290 sqft (0.42 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	144 sqft
Patio Area	144 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 W SPRUCE CT
City	SPOKANE
State	WA
Zip	99218-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	HAT FREEMAN 3RD L4 B2
Legal Subdivision	HAT FREEMAN
Legal Block	2
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2004
Census Tract	10506

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · VA Mortgage XPERT HOME LENDING INC
Sep 20, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 6, 2023	Warranty Deed, Transfer · VA Mortgage XPERT HOME LENDING INC
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2023 · Amount on Record
Deed Sale	Mar 6, 2023 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	20237271126
Prior Transfer Date	Feb 17, 2012
Prior Transfer Doc	0006069198
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525

Mortgage

Document Number	0007451902
Date	Nov 7, 2025
Instrument	7451902

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company
Address	SUWANEE, GA 30024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525

Mortgage

Document Number	0007128184
Date	Sep 20, 2021
Instrument	7128184

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	TICOR CP, TICOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007128183
Date	Sep 20, 2021
Instrument	7128183

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 6, 2023
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Document Number	0007271126
Map Reference	VOL 10 PG 48
Instrument Date	Mar 3, 2023
Instrument	7271126
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,141.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525

Mortgage

Document Number	0007271127
Date	Mar 6, 2023
Instrument	7271127

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006963022
Date	Sep 1, 2020
Instrument	6963022

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company
Address	BELLEVUE, WA 98006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 25, 2019
Property Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525
Document Number	0006825828
Map Reference	VOL 10 PG 48
Instrument Date	Jul 22, 2019
Instrument	6825828
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,487.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 W SPRUCE CT, SPOKANE, WA 99218-2525

Mortgage

Document Number	0006825829
Date	Jul 25, 2019
Instrument	6825829

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,472.00 (+1.06%)	$438,500 (+5.74%) Land $110,000 Building $328,500	$438,500 (+5.74%) Land $110,000 Building $328,500
2025	$4,425.00 (+15.02%)
2024		$414,700 (+26.9%) Land $95,000 Building $319,700	$414,700 (+26.9%) Land $95,000 Building $319,700
2023	$3,847.00 (+2.97%)	$326,800 Land $50,000 Building $276,800	$326,800 Land $50,000 Building $276,800
2022	$3,736.00

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% 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	WHITWORTH WATER DISTRICT 2 serves 26,883 people · EPA ID WA5396601
Water Source	Groundwater
Last State Inspection	Apr 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

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

May also be available: TDS Telecom, Verizon.

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