37714 N Sheets Rd, Elk, WA 99009 Property Records

Spokane County property record for 37714 N Sheets Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,636 sqft · built 1999
Lot Size	0.293 acres (12,758 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (May 2026)
Tax Bill	$3,050 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`49202.0434`

Property Details

APN / Parcel Number

Primary APN	`49202.0434`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	2,156 sqft
1st Floor Area	1,116 sqft
Basement Area	520 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,758 sqft (0.293 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft
Patio Area	560 sqft
Canopy	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	37714 N SHEETS RD
City	ELK
State	WA
Zip	99009-8644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	REFLECTION LAKE 1ST L34 B7
Legal Range	44E
Legal Township	29N
Legal Section	20
Legal Subdivision	REFLECTION LAKE
Legal Block	7
Legal Lot Number	34
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	3
Census Block	3026
Census Tract	10201

Owner

37714 N Sheets Rd is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	37714 N SHEETS RD, ELK, WA 99009-8644
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit IDAHO CENTRAL CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
May 26, 2026	Quit Claim Deed, Transfer WFT NATIONAL TITLE, WFG NATIONAL TITLE
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
Dec 15, 2017	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Dec 15, 2017 · Amount on File
Deed Document Number	20267491294
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	37714 N SHEETS RD, ELK, WA 99009-8644
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007468664
Date	Feb 6, 2026
Instrument	7468664

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 5, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	37714 N SHEETS RD, ELK, WA 99009-8644
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	SPOKANE COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007111283
Date	Aug 9, 2021
Instrument	7111283

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	May 26, 2026
Property Address	37714 N SHEETS RD, ELK, WA 99009-8644
Document Number	0007491356
Instrument Date	May 26, 2026
Instrument	20267491356
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	37714 N SHEETS RD, ELK, WA 99009-8644

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 26, 2026
Property Address	37714 N SHEETS RD, ELK, WA 99009-8644
Document Number	0007491294
Instrument Date	May 15, 2026
Instrument	20267491294
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	37714 N SHEETS RD, ELK, WA 99009-8644

Mortgage

Document Number	0007491295,
Date	May 26, 2026
Instrument	20267491295

Lender

Name	NETX MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 15, 2017
Property Address	37714 N SHEETS RD, ELK, WA 99009-8644
Document Number	0006667752
Map Reference	VOL8 PG76
Instrument Date	Dec 1, 2017
Instrument	6667752
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37714 N SHEETS RD, ELK, WA 99009-8644

Mortgage

Document Number	0006667753
Date	Dec 15, 2017
Instrument	6667753

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Mortgage

Document Number	0006667754
Date	Dec 15, 2017
Instrument	6667754

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 37714 N Sheets Rd was $3,050, up 0.4% from the year before.

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	$3,050.00 (+0.36%)	$389,300 (+1.35%) Land $60,000 Building $329,300	$389,300 (+1.35%) Land $60,000 Building $329,300
2025	$3,039.00	$384,100 (+8.32%) Land $60,000 Building $324,100	$384,100 (+8.32%) Land $60,000 Building $324,100
2024		$354,600 (+32.31%) Land $28,000 Building $326,600	$354,600 (+32.31%) Land $28,000 Building $326,600
2023	$2,784.00 (+10.34%)	$268,000 Land $16,000 Building $252,000	$268,000 Land $16,000 Building $252,000
2022	$2,523.00

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

Flood

FEMA maps place 37714 N Sheets 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	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

Wildfire risk around 37714 N Sheets Rd is low, with a 0.04% annual chance of 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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