401 1st St, Cheney, WA 99004 Property Records

Spokane County property record for 401 1st St, Cheney, WA 99004

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 1,000 sqft · built 1900
Lot Size	0.023 acres (1,000 sqft)
Owner	Company Name on Record
Last Sale	$105,000 (Jul 2021)
Tax Bill	$1,340 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13131.2901`

Property Details

APN / Parcel Number

Primary APN	`13131.2901`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,000 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2001
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Lot Area	1,000 sqft (0.023 acres)
Lot Dimensions	40 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	401 1ST ST
City	CHENEY
State	WA
Zip	99004-1601
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C-1
Legal Description	CHENEY TOWN OF SWLY 25FT OF SELY 40FT OF NWLY 5 2FT OF L1 B29
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	CHENEY
Legal Block	29
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	4
Census Block	4043
Census Tract	14001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the City of Cheney Historic District listed 2001 · 62 contributing resources · NRIS 01000062

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Spokane County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	401 1ST ST, CHENEY, WA 99004-1601
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON TRUST BANK
Jul 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON TRUST BANK
Mar 5, 2020	Court-Ordered Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	May 20, 2013 · Amount on Record
Deed Document Number	20217105406
Prior Transfer Date	May 15, 2013
Prior Transfer Doc	0006210104
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	401 1ST ST, CHENEY, WA 99004-1601
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007238322
Date	Sep 9, 2022
Instrument	7238322

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99224

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	401 1ST ST, CHENEY, WA 99004-1601
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007105407
Date	Jul 26, 2021
Instrument	7105407

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99224

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2020: Court-Ordered Deed, Transfer

Document Type	Court-Ordered Deed
Jurisdiction	SPOKANE WA
Recording Date	Mar 5, 2020
Property Address	401 1ST ST, CHENEY, WA 99004-1601
Document Number	0006898828
Instrument Date	Nov 13, 2019
Instrument	6898828
Transaction Type	Transfer
Record Updated	Apr 8, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 1ST ST CHENEY WA 990041601, CHENEY, WA 99004-1601

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,340.00 (+6.86%)	$117,400 (-1.68%) Land $14,000 Building $103,400	$117,400 (-1.68%) Land $14,000 Building $103,400
2025	$1,254.00 (+7.73%)	$119,400 (+14.37%) Land $14,000 Building $105,400	$119,400 (+14.37%) Land $14,000 Building $105,400
2024	$1,164.00 (+31.82%)	$104,400 (+1.06%) Land $8,000 Building $96,400	$104,400 (+1.06%) Land $8,000 Building $96,400
2023	$883.00 (-23.35%)	$103,300 Land $8,000 Building $95,300	$103,300 Land $8,000 Building $95,300
2022	$1,152.00

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	Moderate above 65% of the US · above 44% of Washington
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	1 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: DCI.

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