41 E Providence Ave, Spokane, WA 99207 Property Records

Spokane County property record for 41 E Providence Ave, Spokane, WA 99207

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1940
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Aug 2020)
Tax Bill	$3,136 (2026)
Deeds & Mortgages	May 2026 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35053.0518`

Property Details

APN / Parcel Number

Primary APN	`35053.0518`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	768 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	102 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	41 E PROVIDENCE AVE
City	SPOKANE
State	WA
Zip	99207-1865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	LIDGERWOOD PK L18 B88
Legal Range	43E
Legal Township	25N
Legal Section	05
Legal Subdivision	LIDGERWOOD PK
Legal Block	88
Legal Lot Number	18
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	4
Census Block	4046
Census Tract	1400

Owner

Source: Spokane County records, as of September 16, 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 Record
Mailing Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CREDIT UNION
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
May 16, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	May 16, 2017 · Amount on Record
Deed Document Number	20206957922
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	May 7, 2026
Property Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Document Number	0007487367
Instrument Date	May 2, 2026
Instrument	20267487367
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865

Mortgage

Document Number	0007487367,
Date	May 7, 2026
Instrument	20267487367

Lender

Name	SPOKANE TEACHERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 20, 2020
Property Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Document Number	0006957922
Map Reference	VOL A PG 124&125
Instrument Date	Aug 14, 2020
Instrument	6957922
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,765.00
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	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865

Mortgage

Document Number	0006957923
Date	Aug 20, 2020
Instrument	6957923

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 16, 2017
Property Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Document Number	0006603765
Map Reference	VOL A PG124&125
Instrument Date	May 16, 2017
Instrument	6603765
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,265.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 E PROVIDENCE AVE, SPOKANE, WA 99207-1865

Mortgage

Document Number	0006603766
Date	May 16, 2017
Instrument	6603766

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Mortgage

Document Number	0006603767
Date	May 16, 2017
Instrument	6603767

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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	$3,136.00 (-0.19%)	$291,500 (-4.83%) Land $75,000 Building $216,500	$291,500 (-4.83%) Land $75,000 Building $216,500
2025	$3,142.00 (+3.05%)	$306,300 (-1.67%) Land $75,000 Building $231,300	$306,300 (-1.67%) Land $75,000 Building $231,300
2024		$311,500 (+36.92%) Land $65,000 Building $246,500	$311,500 (+36.92%) Land $65,000 Building $246,500
2023	$3,049.00 (+14.45%)	$227,500 Land $42,000 Building $185,500	$227,500 Land $42,000 Building $185,500
2022	$2,664.00

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

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

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
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
AT&T Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20

May also be available: T-Mobile.

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