3903 E Ermina Ave, Spokane, WA 99217 Property Records

Spokane County property record for 3903 E Ermina Ave, Spokane, WA 99217

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 736 sqft · built 1954
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,500 (May 2026)
Tax Bill	$2,145 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35104.0417`

Property Details

APN / Parcel Number

Primary APN	`35104.0417`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	736 sqft Living Area
1st Floor Area	736 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/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	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3903 E ERMINA AVE
City	SPOKANE
State	WA
Zip	99217-7222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	UPRIVER DR L17 B4
Legal Range	43E
Legal Township	25N
Legal Section	10
Legal Subdivision	UPRIVER DRIVE ADD
Legal Block	4
Legal Lot Number	17
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3044
Census Tract	14400

Owner

Source: Spokane County records, as of August 17, 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	3903 E ERMINA AVE, SPOKANE, WA 99217-7222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Mar 12, 2026	Warranty Deed, Transfer TITLEONE
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
Dec 1, 2017	Warranty Deed, Transfer · FHA Mortgage WMS SERIES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Mar 12, 2026 · Amount on Record
Deed Document Number	20267487845
Prior Transfer Date	Mar 1, 2006
Prior Transfer Doc	0005350257
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 8, 2026
Property Address	3903 E ERMINA AVE, SPOKANE, WA 99217-7222
Document Number	0007487845
Instrument Date	May 8, 2026
Instrument	2026.7487845
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	TITLE ONE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382,689.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 E ERMINA AVE, SPOKANE, WA 99217-7222

Mortgage

Document Number	0007487845,
Date	May 8, 2026
Instrument	2026.7487845

Lender

Name	MOVEMENT MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Date	May 8, 2026

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 12, 2026
Property Address	3903 E ERMINA AVE, SPOKANE, WA 99217-7222
Document Number	0007475103
Map Reference	VOL 3 PG 19
Instrument Date	Mar 11, 2026
Instrument	7475103
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	TITLEONE

Transaction

Amount	Amount Recorded
Tax	$3,045.00
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	9011 E 44TH AVE, SPOKANE, WA 99206-9202

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 23, 2020
Property Address	3903 E ERMINA AVE, SPOKANE, WA 99217-7222
Document Number	0007013025
Map Reference	VOL 3 PG 19
Instrument Date	Dec 22, 2020
Instrument	7013025
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,077.00
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	3903 E ERMINA AVE, SPOKANE, WA 99217-7222

Mortgage

Document Number	0007013026
Date	Dec 23, 2020
Instrument	7013026

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Mortgage

Document Number	0007013027
Date	Dec 23, 2020
Instrument	7013027

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	Jan 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 1, 2017
Property Address	3903 E ERMINA AVE, SPOKANE, WA 99217-7222
Document Number	0006663937
Instrument Date	Nov 21, 2017
Instrument	6663937
Transaction Type	Transfer
Record Updated	Dec 6, 2017
Title Company	TICOR TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 E ERMINA AVE SPOKANE WA 992177222, SPOKANE, WA 99217-7222

Mortgage

Document Number	6663938
Date	Dec 1, 2017
Instrument	6663938

Lender

Name	WMS SERIES
Address	SEATTLE, WA 98101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2047

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 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	$2,145.00 (+1.51%)	$229,300 (+9.92%) Land $80,000 Building $149,300	$229,300 (+9.92%) Land $80,000 Building $149,300
2025	$2,113.00 (-7.57%)	$208,600 (-10.59%) Land $80,000 Building $128,600	$208,600 (-10.59%) Land $80,000 Building $128,600
2024		$233,300 (+38.62%) Land $75,000 Building $158,300	$233,300 (+38.62%) Land $75,000 Building $158,300
2023	$2,286.00 (+15.81%)	$168,300 Land $45,000 Building $123,300	$168,300 Land $45,000 Building $123,300
2022	$1,974.00

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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