4121 E Congress Ave, Spokane, WA 99223 Property Records

Spokane County property record for 4121 E Congress Ave, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,521 sqft · built 1979
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,183 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35271.4118`

Property Details

APN / Parcel Number

Primary APN	`35271.4118`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,521 sqft Living Area
Gross Area	2,042 sqft
1st Floor Area	1,021 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Deck Area	60 sqft
Patio Area	437 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4121 E CONGRESS AVE
City	SPOKANE
State	WA
Zip	99223-5446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PINECROFT TERRACE ADD LT 21 BLK 20
Legal Range	43E
Legal Township	25N
Legal Section	27
Legal Subdivision	PINECROFT TERRACE ADD
Legal Block	20
Legal Lot Number	21
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2022
Census Tract	4602

Owner

4121 E Congress Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4121 E CONGRESS AVE, SPOKANE, WA 99223-5446
Occupancy	Owner Occupied
Owner Type	Individual

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 14, 2021	Deed of Trust, Mortgage · FHA Mortgage VISION ONE MORTGAGE INC
Dec 7, 2021	Deed of Trust, Mortgage · FHA Mortgage VISION ONE MORTGAGE INC
Jul 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 15, 2018	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4121 E CONGRESS AVE, SPOKANE, WA 99223-5446
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007160711
Date	Dec 14, 2021
Instrument	7160711

Lender

Name	VISION ONE MORTGAGE INC
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4121 E CONGRESS AVE, SPOKANE, WA 99223-5446
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007158114
Date	Dec 7, 2021
Instrument	7158114

Lender

Name	VISION ONE MORTGAGE INC
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4121 E CONGRESS AVE, SPOKANE, WA 99223-5446
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007100127
Date	Jul 14, 2021
Instrument	7100127

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2036

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4121 E CONGRESS AVE, SPOKANE, WA 99223-5446
Document Number	0006708670
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4121 E CONGRESS AVE SPOKANE WA 992235446, SPOKANE, WA 99223-5446

Mortgage

Document Number	0006708670
Date	May 17, 2018
Instrument	6708670

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 16, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 4121 E Congress Ave was $3,183, down 1.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,183.00 (-1.24%)	$334,400 Land $100,000 Building $234,400	$334,400 Land $100,000 Building $234,400
2025	$3,223.00
2024		$319,000 (+33.19%) Land $75,000 Building $244,000	$319,000 (+33.19%) Land $75,000 Building $244,000
2023	$3,122.00 (+11.34%)	$239,500 Land $55,000 Building $184,500	$239,500 Land $55,000 Building $184,500
2022	$2,804.00

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

Flood

FEMA maps place 4121 E Congress Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4121 E Congress Ave is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 360 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Intermax Networks.

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