405 B St, Cheney, WA 99004 Property Records

Spokane County property record for 405 B St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,675 sqft · built 1953
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Oct 2020)
Tax Bill	$4,027 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13131.4108`

Property Details

APN / Parcel Number

Primary APN	`13131.4108`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,675 sqft Living Area
1st Floor Area	1,883 sqft
Basement Area	792 sqft
Finished Basement	792 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	255 sqft
Carport	Carport
Carport Area	255 sqft
Parking Spaces	1 Parking Space
Patio Area	210 sqft
Canopy	210 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	405 B ST
City	CHENEY
State	WA
Zip	99004-1763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	CHENEY TOWN OF SWLY 1/2 OF L9&ALL L10 B41
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	CHENEY
Legal Block	41
Legal Lot Number	9,10
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	4
Census Block	4018
Census Tract	14001

Owner

405 B St is owned and occupied by two individuals who bought it in October 2020.

Source: Spokane County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 B ST, CHENEY, WA 99004-1763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit ADVANTIS CU
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jun 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Nov 17, 2006 · Amount on File
Deed Document Number	20206989061
Prior Transfer Date	Jun 6, 2018
Prior Transfer Doc	0006714743
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	405 B ST, CHENEY, WA 99004-1763
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007261053
Date	Dec 29, 2022
Instrument	7261053

Lender

Name	ADVANTIS CU
Type	Credit Union
Address	PORTLAND, OR 97293

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 30, 2020
Property Address	405 B ST, CHENEY, WA 99004-1763
Document Number	0006989061
Map Reference	VOL A PG 44
Instrument Date	Oct 26, 2020
Instrument	6989061
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,005.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006989062
Date	Oct 30, 2020
Instrument	6989062

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Jun 8, 2018
Property Address	405 B ST, CHENEY, WA 99004-1763
Document Number	0006714743
Instrument Date	Jun 6, 2018
Instrument	6714743
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Jun 8, 2018
Property Address	405 B ST, CHENEY, WA 99004-1763
Document Number	0006714744
Instrument Date	Jun 6, 2018
Instrument	6714744
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 B ST CHENEY WA 990041763, CHENEY, WA 99004-1763

Tax Assessment & Valuation

The 2026 property tax bill for 405 B St was $4,027, up 3.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,027.00 (+3.18%)	$374,400 (+5.73%) Land $80,000 Building $294,400	$374,400 (+5.73%) Land $80,000 Building $294,400
2025	$3,903.00 (+17.84%)	$354,100 (-) Land $75,000 Building $279,100	$354,100 (-) Land $75,000 Building $279,100
2024	$3,312.00 (+11.63%)	$354,100 (+41.7%) Land $75,000 Building $279,100	$354,100 (+41.7%) Land $75,000 Building $279,100
2023	$2,967.00 (+7.11%)	$249,900 Land $40,000 Building $209,900	$249,900 Land $40,000 Building $209,900
2022	$2,770.00

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

Flood

FEMA maps place 405 B St 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 405 B St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 66% of Washington
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within 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 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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