406 N Union Ln, Spokane, WA 99206 Property Records

Spokane County property record for 406 N Union Ln, Spokane, WA 99206

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 2018
Lot Size	0.137 acres (5,982 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Apr 2024)
Tax Bill	$4,654 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45164.0911`

Property Details

APN / Parcel Number

Primary APN	`45164.0911`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,497 sqft Living Area
Gross Area	1,977 sqft
1st Floor Area	1,497 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,982 sqft (0.137 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	60 sqft
Patio Area	35 sqft
Canopy	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 N UNION LN
City	SPOKANE
State	WA
Zip	99206-6252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	UNION SQUARE LT 11 (AFN#6660185)
Legal Subdivision	UNION SQUARE
Legal Lot Number	11
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1014
Census Tract	11900

Owner

406 N Union Ln is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 N UNION LN, SPOKANE, WA 99206-6252
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Deed Document Number	20247345030
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 23, 2024
Property Address	406 N UNION LN, SPOKANE, WA 99206-6252
Document Number	0007345030
Map Reference	VOL 39 PG 83&84
Instrument Date	Apr 15, 2024
Instrument	7345030
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,125.00
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	406 N UNION LN, SPOKANE VALLEY, WA 99206-6252

Mortgage

Document Number	0007345031
Date	Apr 23, 2024
Instrument	7345031

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 406 N Union Ln was $4,654, up 10.4% 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 Valley City
Unified School District	Central Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,654.00 (+10.39%)	$428,900 Land $110,000 Building $318,900	$428,900 Land $110,000 Building $318,900
2025	$4,216.00
2024		$380,800 (+23.48%) Land $73,500 Building $307,300	$380,800 (+23.48%) Land $73,500 Building $307,300
2023	$3,643.00 (+1.22%)	$308,400 Land $52,500 Building $255,900	$308,400 Land $52,500 Building $255,900
2022	$3,599.00

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

Flood

FEMA maps place 406 N Union Ln 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 406 N Union Ln is low, with less than 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 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MODERN ELECTRIC WATER CO private · serves 18,487 people · EPA ID WA5355600
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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