37507 N Sheets Rd, Elk, WA 99009 Property Records

Spokane County property record for 37507 N Sheets Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,548 sqft · built 1979
Lot Size	0.295 acres (12,849 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,500 (Oct 2009)
Tax Bill	$2,768 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49202.0504`

Property Details

APN / Parcel Number

Primary APN	`49202.0504`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	2,388 sqft
1st Floor Area	1,128 sqft
Basement Area	468 sqft
Finished Basement	420 sqft
Unfinished Basement	48 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,849 sqft (0.295 acres)
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Deck Area	60 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	37507 N SHEETS RD
City	ELK
State	WA
Zip	99009-8682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	REFLECTION LAKE 1ST L4 B8
Legal Range	44E
Legal Township	29N
Legal Section	20
Legal Subdivision	REFLECTION LAKE
Legal Block	8
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	3
Census Block	3025
Census Tract	10201

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	37507 N SHEETS RD, ELK, WA 99009-8682
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage ARC HOME LLC
Sep 14, 2018	Deed of Trust, Mortgage PACIFIC HM LNS
Sep 14, 2017	Intrafamily Transfer, Transfer · VA Mortgage MERIDIAN HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2009 · Amount on Record
Deed Sale	Oct 9, 2009 · Amount on Record
Prior Sale	Sep 6, 2002 · Amount on Record
Deed Document Number	20095841145
Last Transfer Date	Sep 5, 2017
Transfer Doc	0006639657
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	37507 N SHEETS RD, ELK, WA 99009-8682
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007455167
Date	Nov 24, 2025
Instrument	7455167

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	37507 N SHEETS RD, ELK, WA 99009-8682
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006930363
Date	Jun 15, 2020
Instrument	6930363

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	37507 N SHEETS RD, ELK, WA 99009-8682
Document Number	0006745531
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37507 N SHEETS RD ELK WA 990098682, ELK, WA 99009-8682

Mortgage

Document Number	0006745531
Date	Sep 21, 2018
Instrument	6745531

Lender

Name	PACIFIC HM LNS
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Sep 14, 2017
Property Address	37507 N SHEETS RD, ELK, WA 99009-8682
Document Number	0006639657
Map Reference	VOL8 PG76
Instrument Date	Sep 5, 2017
Instrument	6639657
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37507 N SHEETS RD, ELK, WA 99009-8682

Mortgage

Document Number	0006639658
Date	Sep 14, 2017
Instrument	6639658

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2037

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	Riverside School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,768.00 (+5.69%)	$351,700 (+17.78%) Land $60,000 Building $291,700	$351,700 (+17.78%) Land $60,000 Building $291,700
2025	$2,619.00 (+11.49%)
2024		$298,600 (+29.21%) Land $28,000 Building $270,600	$298,600 (+29.21%) Land $28,000 Building $270,600
2023	$2,349.00 (+7.7%)	$231,100 Land $16,000 Building $215,100	$231,100 Land $16,000 Building $215,100
2022	$2,181.00

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 · 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	3 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 68% of Washington
Wildfire Likelihood	0.04% 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	REFLECTION WATER ASSOCIATION private · serves 150 people · EPA ID WA5371700
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	10 / 1

May also be available: KnightCom.

Cell Coverage

5G (outdoors only) and 4G LTE

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