3816 E Montgomery Ave, Spokane, WA 99217 Property Records

Spokane County property record for 3816 E Montgomery Ave, Spokane, WA 99217

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,214 sqft · built 1954
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jul 2023)
Tax Bill	$2,950 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35104.0403`

Property Details

APN / Parcel Number

Primary APN	`35104.0403`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,214 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	350 sqft
Unfinished Basement	514 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	110 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	3816 E MONTGOMERY AVE
City	SPOKANE
State	WA
Zip	99217-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	UPRIVER DR L3 B4
Legal Range	43E
Legal Township	25N
Legal Section	10
Legal Subdivision	UPRIVER DRIVE
Legal Block	4
Legal Lot Number	3
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3044
Census Tract	14400

Owner

3816 E Montgomery Ave is owned and occupied by two individuals who bought it in July 2023.

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	3816 E MONTGOMERY AVE, SPOKANE, WA 99217-7243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jun 14, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Sep 29, 2006 · Amount on File
Deed Document Number	20237297657
Prior Transfer Date	Nov 3, 1999
Prior Transfer Doc	0004430306
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 21, 2023
Property Address	3816 E MONTGOMERY AVE, SPOKANE, WA 99217-7243
Document Number	0007297657
Map Reference	VOL 3 PG 19
Instrument Date	Jul 21, 2023
Instrument	7297657
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	3816 E MONTGOMERY AVE, SPOKANE, WA 99217-7243

Mortgage

Document Number	0007297658
Date	Jul 21, 2023
Instrument	7297658

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3816 E MONTGOMERY AVE, SPOKANE, WA 99217-7243
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007087296
Date	Jun 14, 2021
Instrument	7087296

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3816 E MONTGOMERY AVE, SPOKANE, WA 99217-7243
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007226808
Date	Jul 25, 2022
Instrument	7226808

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3816 E Montgomery Ave was $2,950, up 2.5% 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	$2,950.00 (+2.5%)	$293,300 Land $80,000 Building $213,300	$293,300 Land $80,000 Building $213,300
2025	$2,878.00
2024		$271,500 (+43.12%) Land $75,000 Building $196,500	$271,500 (+43.12%) Land $75,000 Building $196,500
2023	$2,659.00 (+19.61%)	$189,700 (-) Land $45,000 Building $144,700	$189,700 (-) Land $45,000 Building $144,700
2022	$2,223.00	$189,700 Land $45,000 Building $144,700	$189,700 Land $45,000 Building $144,700

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

Flood

FEMA maps place 3816 E Montgomery Ave 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 3816 E Montgomery Ave 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 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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