38003 N Sheets Rd, Elk, WA 99009 Property Records

Spokane County property record for 38003 N Sheets Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1980
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Jun 2024)
Tax Bill	$2,740 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49202.0308`

Property Details

APN / Parcel Number

Primary APN	`49202.0308`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area
Gross Area	1,536 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	690 sqft
Unfinished Basement	78 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	656 sqft
Patio Area	720 sqft
Canopy	800 sqft
Lean-To	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	38003 N SHEETS RD
City	ELK
State	WA
Zip	99009-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	REFLECTION LAKE 1ST L8 B6
Legal Range	44E
Legal Township	29N
Legal Section	20
Legal Subdivision	REFLECTION LAKE
Legal Block	6
Legal Lot Number	8
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	3
Census Block	3025
Census Tract	10201

Owner

38003 N Sheets Rd is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	38003 N SHEETS RD, ELK, WA 99009-8627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 22, 2020	Warranty Deed, Transfer · FHA Mortgage HORIZON CU
Aug 22, 2017	Warranty Deed, Transfer · Conventional Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2024 · Amount on File
Deed Sale	Jun 17, 2024 · Amount on File
Prior Sale	Dec 22, 2020 · Amount on File
Deed Document Number	20247355362
Prior Transfer Date	Aug 14, 2000
Prior Transfer Doc	0004507738
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	38003 N SHEETS RD, ELK, WA 99009-8627
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38003 N SHEETS RD, ELK, WA 99009-8627

Mortgage

Document Number	0007447389
Date	Oct 16, 2025
Instrument	7447389

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	38003 N SHEETS RD, ELK, WA 99009-8627
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007078777
Date	May 24, 2021
Instrument	7078777

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 22, 2020
Property Address	38003 N SHEETS RD, ELK, WA 99009-8627
Document Number	0007012578
Map Reference	VOL 8 PG 76
Instrument Date	Dec 18, 2020
Instrument	7012578
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,205.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38003 N SHEETS RD, ELK, WA 99009-8627

Mortgage

Document Number	0007012579
Date	Dec 22, 2020
Instrument	7012579

Lender

Name	HORIZON CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 22, 2017
Property Address	38003 N SHEETS RD, ELK, WA 99009-8627
Document Number	0006633017
Map Reference	VOL8 PG76
Instrument Date	Aug 17, 2017
Instrument	6633017
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	$3,618.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006633018
Date	Aug 22, 2017
Instrument	6633018

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 38003 N Sheets Rd was $2,740, down 0.6% 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	$2,740.00 (-0.58%)	$342,500 Land $32,500 Building $310,000	$342,500 Land $32,500 Building $310,000
2025	$2,756.00
2024		$377,800 (+32.84%) Land $34,000 Building $343,800	$377,800 (+32.84%) Land $34,000 Building $343,800
2023	$2,963.00 (+10.72%)	$284,400 Land $26,000 Building $258,400	$284,400 Land $26,000 Building $258,400
2022	$2,676.00

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

Flood

FEMA maps place 38003 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 38003 N Sheets Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 70% of Washington
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 42 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: CenturyLink, KnightCom.

Cell Coverage

5G (outdoors only) and 4G LTE

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