3208 E Congress Ave, Spokane, WA 99223 Property Records

Spokane County property record for 3208 E Congress Ave, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,081 sqft · built 1950
Lot Size	0.164 acres (7,155 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jul 2026)
Tax Bill	$2,879 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Construction Loan + 2 more
Flood Zone	Zone X (moderate risk)
APN	`35272.3205`

Property Details

APN / Parcel Number

Primary APN	`35272.3205`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,081 sqft Living Area
Gross Area	1,549 sqft
1st Floor Area	781 sqft
Basement Area	768 sqft
Finished Basement	300 sqft
Unfinished Basement	468 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,155 sqft (0.164 acres)
Lot Dimensions	135 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Frame Porch
Porch Area	24 sqft
Deck Area	90 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3208 E CONGRESS AVE
City	SPOKANE
State	WA
Zip	99223-5429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MURPHY-GIL&KERN L2 B8
Legal Range	43E
Legal Township	25N
Legal Section	27
Legal Subdivision	MURPHY-GIL&KERN
Legal Block	8
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3006
Census Tract	4602

Owner

3208 E Congress Ave is owned and occupied by two individuals who bought it in July 2026.

Source: Spokane County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Warranty Deed, Transfer · Conventional Mortgage SUNFLOWER BANK
Jun 24, 2026	Deed of Trust, Mortgage · Construction Mortgage SIMPLIFILE
Jun 21, 2022	Intrafamily Transfer, Transfer · Construction Mortgage SHEPHERDS FINANCE LLC
May 24, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	Aug 28, 1997 · Amount on File
Deed Document Number	20267503752
Prior Transfer Date	Jun 17, 2022
Prior Transfer Doc	0007217159
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 22, 2026
Property Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
Document Number	0007503752
Instrument Date	Jul 16, 2026
Instrument	20267503752
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452,985.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429

Mortgage

Document Number	0007503753,
Date	Jul 22, 2026
Instrument	20267503753

Lender

Name	SUNFLOWER BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Jun 24, 2026
Property Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
Document Number	0007497219
Instrument Date	May 15, 2026
Instrument	20267497219
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
Investor	Possibly a Property Investor

Mortgage

Document Number	0007497219,
Date	Jun 24, 2026
Instrument	20267497219

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	5 Months
Due	Nov 20, 2026

Interest

Rate	6.3%
Max Rate	-1%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Jun 21, 2022
Property Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
Document Number	0007217159
Map Reference	VOL B PG 32
Instrument Date	Jun 17, 2022
Instrument	7217159
Transaction Type	Transfer
Record Updated	Jun 28, 2022

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	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429

Mortgage

Document Number	0007217353
Date	Jun 21, 2022
Instrument	7217353

Lender

Name	SHEPHERDS FINANCE LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	May 24, 2021
Property Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429
Document Number	0007078519
Map Reference	VOL B PG 32
Instrument Date	Apr 28, 2021
Instrument	7078519
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4254 E 22ND AVE, 4254, SPOKANE, WA 99223-5522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 E CONGRESS AVE, SPOKANE, WA 99223-5429

Tax Assessment & Valuation

The 2026 property tax bill for 3208 E Congress Ave was $2,879, up 4.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Spokane City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,879.00 (+4.61%)	$301,000 (+7.12%) Land $130,000 Building $171,000	$301,000 (+7.12%) Land $130,000 Building $171,000
2025	$2,752.00	$281,000 (+8.87%) Land $110,000 Building $171,000	$281,000 (+8.87%) Land $110,000 Building $171,000
2024		$258,100 (+41.89%) Land $80,000 Building $178,100	$258,100 (+41.89%) Land $80,000 Building $178,100
2023	$2,528.00 (+18.57%)	$181,900 Land $60,000 Building $121,900	$181,900 Land $60,000 Building $121,900
2022	$2,132.00

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

Flood

FEMA maps place 3208 E Congress Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3208 E Congress Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 SPOKANE serves 346,138 people · EPA ID WA5383100
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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	None 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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Intermax Networks.

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