Spokane County property record for 321 W White Rd, Spokane, WA 99224
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,270 sqft · built 1981 |
| Lot Size | 5.33 acres (232,610 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,603 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34181.9055 |
| Primary APN | 34181.9055 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,270 sqft Living Area |
| Gross Area | 3,858 sqft |
| 1st Floor Area | 1,635 sqft |
| Basement Area | 1,635 sqft |
| Finished Basement | 1,635 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 232,610 sqft |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 415 sqft |
|---|---|
| Patio Area | 415 sqft |
| Lean-To | 600 sqft |
| Pole Barn | 1,500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 321 W WHITE RD |
|---|---|
| City | SPOKANE |
| State | WA |
| Zip | 99224-8220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR |
| Legal Description | 18-24-43 PTN OF NE1/4 OF NE1/4 DAF; BEG AT NW COR & S LN OF WHITE RD TH E130 TH S320 TH E280.45 TH S461.34 TH W414.91 TO W LN OF NE1/4 TH N787.74 TO POB |
| Legal Range | 43 |
| Legal Township | 24 |
| Legal Section | 18 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | SPOKANE SOUTH |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 13503 |
321 W White Rd is owned and occupied by an individual who acquired it in January 2025.
Source: Spokane County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 W WHITE RD, SPOKANE, WA 99224-8220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE INC |
| Oct 5, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 9, 2025 |
| Transfer Doc | 0007393408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 321 W WHITE RD, SPOKANE, WA 99224-8220 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Title Company | SIESTA TITLE AND ESCROW LLC, VISTA TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0007109930 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 7109930 |
| Name | AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BATTLE GROUND, WA 98604 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 364 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 321 W WHITE RD, SPOKANE, WA 99224-8220 |
| Document Number | 0006859248 |
| Instrument Date | Oct 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 321 W WHITE RD SPOKANE WA 992248220, SPOKANE, WA 99224-8220 |
| Document Number | 0006859248 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 6859248 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2049 |
The 2026 property tax bill for 321 W White Rd was $5,603, down 3.6% from the year before.
Source: Spokane County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Unified School District | Liberty School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,603.00 (-3.6%) | $602,770 Land $203,270 Building $399,500 | $602,770 Land $203,270 Building $399,500 |
| 2025 | $5,812.00 | ||
| 2024 | $557,660 (+33.24%) Land $188,160 Building $369,500 | $557,660 (+33.24%) Land $188,160 Building $369,500 | |
| 2023 | $4,898.00 (+7.98%) | $418,540 Land $107,840 Building $310,700 | $418,540 Land $107,840 Building $310,700 |
| 2022 | $4,536.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 W White Rd 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 risk around 321 W White Rd is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 51% of Washington |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Intermax Networks Fixed Wireless | 100 / 20 |
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