3909 E Montgomery Ave, Spokane, WA 99217 Property Records

Spokane County property record for 3909 E Montgomery Ave, Spokane, WA 99217

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,581 sqft · built 1954
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Apr 2024)
Tax Bill	$3,258 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35104.0307`

Property Details

APN / Parcel Number

Primary APN	`35104.0307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	1,581 sqft Living Area
Gross Area	1,845 sqft
1st Floor Area	981 sqft
Basement Area	864 sqft
Finished Basement	600 sqft
Unfinished Basement	264 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	110 ft deep x 63 ft wide
Patio Area	391 sqft
Canopy	391 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3909 E MONTGOMERY AVE
City	SPOKANE
State	WA
Zip	99217-7270
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	UPRIVER DR L7 B3
Legal Subdivision	UPRIVER DRIVE ADD
Legal Block	3
Legal Lot Number	7
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3038
Census Tract	14400

Owner

3909 E Montgomery Ave is owned and occupied by two individuals who bought it in April 2024.

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	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 10, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 10, 2019	Deed of Trust, Mortgage · FHA Mortgage LEADER ONE FINANCIAL CORP
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 14, 2018	Deed of Trust, Mortgage · Line of Credit NUMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Dec 15, 2020 · Amount on File
Deed Document Number	20247341274
Prior Transfer Date	Apr 30, 2003
Prior Transfer Doc	0004890072
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 1, 2024
Property Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Document Number	0007341274
Map Reference	VOL 3 PG 19
Instrument Date	Mar 27, 2024
Instrument	7341274
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,205.00
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	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Investor	Possibly a Property Investor

Mortgage

Document Number	0007341275
Date	Apr 1, 2024
Instrument	7341275

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0007341276
Date	Apr 1, 2024
Instrument	7341276

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270

Mortgage

Document Number	0007252668
Date	Nov 10, 2022
Instrument	7252668

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VISTA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006840514
Date	Sep 10, 2019
Instrument	6840514

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 15, 2020
Property Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Document Number	0007008423
Map Reference	VOL 3 PG 19
Instrument Date	Dec 9, 2020
Instrument	7008423
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,117.00
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	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270

Mortgage

Document Number	0007008424
Date	Dec 15, 2020
Instrument	7008424

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0007008425
Date	Dec 15, 2020
Instrument	7008425

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	3909 E MONTGOMERY AVE, SPOKANE, WA 99217-7270
Document Number	0006717997
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3909 E MONTGOMERY AVE SPOKANE WA 992177270, SPOKANE, WA 99217-7270

Mortgage

Document Number	0006717997
Date	Jun 20, 2018
Instrument	6717997

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 19, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3909 E Montgomery Ave was $3,258, down 1.2% 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	$3,258.00 (-1.18%)	$324,800 Land $80,000 Building $244,800	$324,800 Land $80,000 Building $244,800
2025	$3,297.00
2024		$341,900 (+41.11%) Land $75,000 Building $266,900	$341,900 (+41.11%) Land $75,000 Building $266,900
2023	$3,345.00 (+17.91%)	$242,300 Land $45,000 Building $197,300	$242,300 Land $45,000 Building $197,300
2022	$2,837.00

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

Flood

FEMA maps place 3909 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 3909 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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