3809 E Terra Ct, Spokane, WA 99223 Property Records

Spokane County property record for 3809 E Terra Ct, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 1997
Lot Size	0.215 acres (9,355 sqft)
Owner	2 Individual Names on File
Last Sale	$296,000 (Jan 2020)
Tax Bill	$4,348 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35344.2537`

Property Details

APN / Parcel Number

Primary APN	`35344.2537`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,180 sqft
Basement Area	1,180 sqft
Finished Basement	1,100 sqft
Unfinished Basement	80 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,355 sqft (0.215 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3809 E TERRA CT
City	SPOKANE
State	WA
Zip	99223-6187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	BELLERIVE P.U.D. LOT 37 BLK 6
Legal Range	43E
Legal Township	25N
Legal Section	34
Legal Subdivision	BELLERIVE
Legal Block	6
Legal Lot Number	37
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2004
Census Tract	4800

Owner

3809 E Terra Ct is owned by two individuals who acquired it in March 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4203 S BELLGROVE LN, SPOKANE, WA 99223-6186
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 7, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 30, 2019	Deed of Trust, Transfer · Conventional with PMI NUMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on File
Deed Sale	Jan 2, 2020 · Amount on File
Prior Sale	May 30, 2002 · Amount on File
Deed Document Number	20206879041
Last Transfer Date	Mar 13, 2026
Transfer Doc	0007476571
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 19, 2026
Property Address	3809 E TERRA CT, SPOKANE, WA 99223-6187
Document Number	0007476571
Map Reference	VOL 21 PG 35-38
Instrument Date	Mar 13, 2026
Instrument	7476571
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4203 S BELLGROVE LN, SPOKANE, WA 99223-6186

Mortgage

Document Number	0007476572
Date	Mar 19, 2026
Instrument	7476572

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 7, 2021
Property Address	3809 E TERRA CT, SPOKANE, WA 99223-6187
Document Number	0007018674
Instrument Date	Jan 5, 2021
Instrument	7018674
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3809 E TERRA CT SPOKANE WA 992236187, SPOKANE, WA 99223-6187

December 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3809 E TERRA CT, SPOKANE, WA 99223-6187
Document Number	0006879042
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3809 E TERRA CT SPOKANE WA 992236187, SPOKANE, WA 99223-6187

Mortgage

Document Number	0006879042
Date	Jan 2, 2020
Instrument	6879042

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99216

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3809 E Terra Ct was $4,348, up 1.6% from the year before.

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Spokane City
Unified School District	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,348.00 (+1.59%)	$494,700 (+16.18%) Land $130,000 Building $364,700	$494,700 (+16.18%) Land $130,000 Building $364,700
2025	$4,280.00	$425,800 (-10.47%) Land $120,000 Building $305,800	$425,800 (-10.47%) Land $120,000 Building $305,800
2024		$475,600 (+38.06%) Land $80,000 Building $395,600	$475,600 (+38.06%) Land $80,000 Building $395,600
2023	$4,649.00 (+15.42%)	$344,500 Land $70,000 Building $274,500	$344,500 Land $70,000 Building $274,500
2022	$4,028.00

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

Flood

FEMA maps place 3809 E Terra Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3809 E Terra Ct is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20

May also be available: Verizon.

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