3812 W Jay St, Spokane, WA 99208 Property Records

Spokane County property record for 3812 W Jay St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,341 sqft · built 2006
Lot Size	0.235 acres (10,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$586,000 (Aug 2026)
Tax Bill	$5,479 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26232.1116`

Property Details

APN / Parcel Number

Primary APN	`26232.1116`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,341 sqft Living Area
Gross Area	3,267 sqft
1st Floor Area	1,357 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,240 sqft (0.235 acres)
Garage Type	Attached
Garage Area	926 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area
Patio Area	296 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3812 W JAY ST
City	SPOKANE
State	WA
Zip	99208-5275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	FALCON RIDGE 1ST ADD: LOT 16 BLK 3 (AFN 5318867)
Legal Range	42E
Legal Township	26N
Legal Section	23
Legal Subdivision	FALCON RIDGE 1ST ADD
Legal Block	3
Legal Lot Number	16
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1021
Census Tract	10702

Owner

Source: Spokane County records, as of August 20, 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	3812 W JAY ST, SPOKANE, WA 99208-5275
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage PRIORITY HOME LENDING LLC
Feb 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Jun 29, 2023 · Amount on Record
Deed Document Number	20267508279
Prior Transfer Date	Feb 3, 2017
Prior Transfer Doc	0006577020
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 13, 2026
Property Address	3812 W JAY ST, SPOKANE, WA 99208-5275
Document Number	0007508279
Instrument Date	Aug 5, 2026
Instrument	20267508279
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$958,570.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 W JAY ST, SPOKANE, WA 99208-5275

Mortgage

Document Number	0007508280,
Date	Aug 13, 2026
Instrument	20267508280

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jun 29, 2023
Property Address	3812 W JAY ST, SPOKANE, WA 99208-5275
Document Number	0007293307
Map Reference	VOL 32 PG 7-9
Instrument Date	Jun 28, 2023
Instrument	7293307
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,494.00
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	3812 W JAY ST, SPOKANE, WA 99208-5275

Mortgage

Document Number	0007293308
Date	Jun 29, 2023
Instrument	7293308

Lender

Name	PRIORITY HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Feb 6, 2017
Property Address	3812 W JAY ST, SPOKANE, WA 99208-5275
Document Number	0006577020
Instrument Date	Feb 3, 2017
Instrument	6577020
Transaction Type	Transfer
Record Updated	Feb 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,479.00 (+3.44%)	$510,500 (+18.42%) Land $170,000 Building $340,500	$510,500 (+18.42%) Land $170,000 Building $340,500
2025	$5,297.00 (+31.93%)
2024		$431,100 (+31.31%) Land $90,000 Building $341,100	$431,100 (+31.31%) Land $90,000 Building $341,100
2023	$4,015.00 (+6.5%)	$328,300 (-) Land $48,000 Building $280,300	$328,300 (-) Land $48,000 Building $280,300
2022	$3,770.00	$328,300 Land $48,000 Building $280,300	$328,300 Land $48,000 Building $280,300

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	1 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 66% of the US · lower than 71% of Washington
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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