3815 E Ermina Ave, Spokane, WA 99217 Property Records

Spokane County property record for 3815 E Ermina Ave, Spokane, WA 99217

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 981 sqft · built 1954
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Sep 2021)
Tax Bill	$2,804 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35104.0420`

Property Details

APN / Parcel Number

Primary APN	`35104.0420`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	4 Rooms
Building Area	981 sqft Living Area
Gross Area	1,962 sqft
1st Floor Area	981 sqft
Basement Area	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Shingles
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	110 ft deep x 63 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3815 E ERMINA AVE
City	SPOKANE
State	WA
Zip	99217-7240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	UPRIVER DR L20 B4
Legal Subdivision	UPRIVER DRIVE ADD
Legal Block	4
Legal Lot Number	20
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3044
Census Tract	14400

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	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Nov 21, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 12, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 17, 2017	Warranty Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	20217126419
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240

Mortgage

Document Number	0007205170
Date	May 6, 2022
Instrument	7205170

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 15, 2021
Property Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Document Number	0007126419
Map Reference	VOL 3 PG 19
Instrument Date	Sep 15, 2021
Instrument	7126419
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	VISTA TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,045.00
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	3815 E ERMINA AVE, SPOKANE, WA 99217-7240

Mortgage

Document Number	0007126421
Date	Sep 15, 2021
Instrument	7126421

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	0007126420
Date	Sep 15, 2021
Instrument	7126420

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 21, 2019
Property Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Document Number	0006866532
Map Reference	VOL 3 PG 19
Instrument Date	Nov 20, 2019
Instrument	6866532
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,387.00
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	3815 E ERMINA AVE, SPOKANE, WA 99217-7240

Mortgage

Document Number	0006866533
Date	Nov 21, 2019
Instrument	6866533

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Mortgage

Document Number	0006866534
Date	Nov 21, 2019
Instrument	6866534

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 12, 2017
Property Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Document Number	0006666863
Map Reference	VOL2 PG19
Instrument Date	Dec 8, 2017
Instrument	6666863
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,710.60
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	3815 E ERMINA AVE, SPOKANE, WA 99217-7240

Mortgage

Document Number	0006666864
Date	Dec 12, 2017
Instrument	6666864

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 17, 2017
Property Address	3815 E ERMINA AVE, SPOKANE, WA 99217-7240
Document Number	0006586516
Instrument Date	Mar 13, 2017
Instrument	6586516
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Tax	$2,319.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11821 E DAY MT SPOKANE RD MEAD WA 990219715, MEAD, WA 99021-9715

Tax Assessment & Valuation

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	$2,804.00 (-1.89%)	$274,200 (-9.53%) Land $80,000 Building $194,200	$274,200 (-9.53%) Land $80,000 Building $194,200
2025	$2,858.00 (-3.67%)
2024		$303,100 (+47.14%) Land $75,000 Building $228,100	$303,100 (+47.14%) Land $75,000 Building $228,100
2023	$2,967.00 (+22.96%)	$206,000 Land $45,000 Building $161,000	$206,000 Land $45,000 Building $161,000
2022	$2,413.00

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

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

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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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