King County property record for 3521 E Spruce St, Seattle, WA 98122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 2,250 sqft · built 1909 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $765,000 (Aug 2014) |
| Tax Bill | $19,367 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 400300-0053 |
| Primary APN | 400300-0053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,250 sqft Living Area |
| 1st Floor Area | 900 sqft |
| 2nd Floor Area | 740 sqft |
| Upper Floors Area | 190 sqft |
| Basement Area | 420 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 590 sqft |
| Deck Area | 700 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 400300005305 |
|---|---|
| Street Address | 3521 E SPRUCE ST |
| City | SEATTLE |
| State | WA |
| Zip | 98122-6555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR3 |
| Legal Description | LAKE DELL ADD |
| Legal Range | 04 |
| Legal Township | 25 |
| Legal Section | 34 |
| Legal Subdivision | LAKE DELL ADD |
| Legal Block | 1 |
| Legal Lot Number | 11-12 |
| Jurisdiction | KING WA |
| Township / Civil Division | SEATTLE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 7800 |
3521 E Spruce St is owned and occupied by two individuals who bought it in August 2014.
Source: King County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3521 E SPRUCE ST, SEATTLE, WA 98122-6555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| Sep 8, 2016 | Loan Modification, Mortgage · Conventional Mortgage UMPQUA BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2014 · Amount on File |
| Deed Sale | Aug 20, 2014 · Amount on File |
| Prior Sale | Apr 29, 2009 · Amount on File |
| Deed Document Number | 2014580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KING WA |
| Property Address | 3521 E SPRUCE ST, SEATTLE, WA 98122-6555 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | RAINIER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001239 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 20210405001239 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KING WA |
| Property Address | 3521 E SPRUCE ST, SEATTLE, WA 98122-6555 |
| Document Number | 0000000692 |
| Instrument Date | Sep 8, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3521 E SPRUCE ST SEATTLE WA 981226555, SEATTLE, WA 98122-6555 |
| Document Number | 0000000692 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 202009250692 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | SEATTLE, WA 98102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3521 E Spruce St was $19,367.
Source: King County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | King County |
| Municipality | Seattle City |
| Unified School District | Seattle Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,367.00 | ||
| 2025 | $1,854,000 (+3.23%) Land $1,094,000 Building $760,000 | $1,854,000 (+3.23%) Land $1,094,000 Building $760,000 | |
| 2024 | $17,461.00 | $1,796,000 Land $1,094,000 Building $702,000 | $1,796,000 Land $1,094,000 Building $702,000 |
| 2022 | $15,761.00 | $1,835,000 Land $1,020,000 Building $815,000 | $1,835,000 Land $1,020,000 Building $815,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3521 E Spruce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 23, 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 | 7 in force |
| Nearby Flood Claims | 2 (1997–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2025 · rainfall accumulation |
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 3521 E Spruce St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.6% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | SEATTLE PUBLIC UTILITIES serves 1,161,961 people · EPA ID WA5377050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2025) 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
May also be available: Astound Broadband, T-Mobile, Verizon.
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