403 E Rich Ave, Spokane, WA 99207 Property Records

Spokane County property record for 403 E Rich Ave, Spokane, WA 99207

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1909
Lot Size	0.125 acres (5,450 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (May 2019)
Tax Bill	$2,667 (2026)
Deeds & Mortgages	Feb 2025 Line of Credit Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35052.1811`

Property Details

APN / Parcel Number

Primary APN	`35052.1811`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	900 sqft
Attic	Attic
Attic Area	900 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 2018
Architectural Style	Bungalow
Exterior Material	Shingles
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	5,450 sqft (0.125 acres)
Lot Dimensions	109 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	300 sqft
Canopy	30 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	403 E RICH AVE
City	SPOKANE
State	WA
Zip	99207-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	LIDGERWOOD PK W50FT OF E300FT OF S1/2 B38
Legal Range	43E
Legal Township	25N
Legal Section	05
Legal Subdivision	LIDGERWOOD PK
Legal Block	38
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	4
Census Block	4020
Census Tract	1400

Owner

Source: Spokane County assessment roll, as of June 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 File
Mailing Address	3308 W NORTHWEST BLVD, SPOKANE, WA 99205-2142
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOFI FCU
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 10, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	Aug 11, 2006 · Amount on Record
Deed Document Number	20196804154
Prior Transfer Date	Nov 24, 1999
Prior Transfer Doc	0004436547
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	403 E RICH AVE, SPOKANE, WA 99207-1644
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E RICH AVE, SPOKANE, WA 99207-1644

Mortgage

Document Number	0007399796
Date	Feb 19, 2025
Instrument	7399796

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 28, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	403 E RICH AVE, SPOKANE, WA 99207-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006675922
Date	Jan 19, 2018
Instrument	6675922

Lender

Name	BOFI FCU
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

Interest

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	403 E RICH AVE, SPOKANE, WA 99207-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006951885
Date	Aug 5, 2020
Instrument	6951885

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 10, 2019
Property Address	403 E RICH AVE, SPOKANE, WA 99207-1644
Document Number	0006804154
Map Reference	VOL A PG 124
Instrument Date	May 3, 2019
Instrument	6804154
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,942.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3308 W NORTHWEST BLVD, SPOKANE, WA 99205-2142

Mortgage

Document Number	0006804155
Date	May 10, 2019
Instrument	6804155

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$2,667.00 (+12.91%)	$249,300 (+5.5%) Land $75,000 Building $174,300	$249,300 (+5.5%) Land $75,000 Building $174,300
2025	$2,362.00 (+2.03%)
2024		$236,300 (+36.35%) Land $65,000 Building $171,300	$236,300 (+36.35%) Land $65,000 Building $171,300
2023	$2,315.00 (+13.93%)	$173,300 Land $42,000 Building $131,300	$173,300 Land $42,000 Building $131,300
2022	$2,032.00

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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Lumen Technologies Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Concept Communications Fixed Wireless	100 / 20
Newmax Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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