4208 E Congress Ave, Spokane, WA 99223 Property Records

Spokane County property record for 4208 E Congress Ave, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1977
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on File
Last Sale	$377,000 (Dec 2024)
Tax Bill	$3,773 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`35271.4312`

Property Details

APN / Parcel Number

Primary APN	`35271.4312`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2024
Architectural Style	Split Foyer
Exterior Material	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
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4208 E CONGRESS AVE
City	SPOKANE
State	WA
Zip	99223-5449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PINECROFT TERRACE LT 12 BLK 22
Legal Range	43E
Legal Township	25N
Legal Section	27
Legal Subdivision	PINECROFT TERRACE
Legal Block	22
Legal Lot Number	12
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3000
Census Tract	4602

Owner

4208 E Congress Ave is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	4208 E CONGRESS AVE, SPOKANE, WA 99223-5449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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 16, 2020	Deed of Trust, Mortgage · FHA Mortgage RUTH RUHL PC
Oct 7, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2024 · Amount on File
Deed Sale	Dec 2, 2024 · Amount on File
Prior Sale	Jun 28, 2024 · Amount on File
Deed Document Number	20247386849
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4208 E CONGRESS AVE, SPOKANE, WA 99223-5449
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007008668
Date	Dec 16, 2020
Instrument	7008668

Lender

Name	RUTH RUHL PC
Type	Non-Lending Institution
Address	DALLAS, TX 75251

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SPOKANE WA
Property Address	4208 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0007008667
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4208 E CONGRESS AVE SPOKANE WA 992235449, SPOKANE, WA 99223-5449

Mortgage

Document Number	0007008667
Date	Dec 16, 2020
Instrument	7008667

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

The 2026 property tax bill for 4208 E Congress Ave was $3,773, up 11.5% 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	$3,773.00 (+11.46%)	$378,600 (+2.57%) Land $100,000 Building $278,600	$378,600 (+2.57%) Land $100,000 Building $278,600
2025	$3,385.00	$369,100 (+7.11%) Land $100,000 Building $269,100	$369,100 (+7.11%) Land $100,000 Building $269,100
2024		$344,600 (+30.33%) Land $75,000 Building $269,600	$344,600 (+30.33%) Land $75,000 Building $269,600
2023	$3,371.00 (+8.95%)	$264,400 Land $55,000 Building $209,400	$264,400 Land $55,000 Building $209,400
2022	$3,094.00

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

Flood

FEMA maps place 4208 E Congress Ave 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 4208 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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