4209 W Pine Cliff Dr, Spokane, WA 99208 Property Records

Spokane County property record for 4209 W Pine Cliff Dr, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,419 sqft · built 2023
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$313 (Oct 2022)
Tax Bill	$10,231 (2026)
Deeds & Mortgages	Mar 2025 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26233.1221`

Property Details

APN / Parcel Number

Primary APN	`26233.1221`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	2,419 sqft Living Area
Gross Area	5,843 sqft
1st Floor Area	2,051 sqft
2nd Floor Area	368 sqft
Basement Area	2,051 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Garage Area	1,373 sqft
Parking Spaces	5 Parking Spaces
Deck Area	670 sqft
Patio Area	141 sqft
Canopy	365 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4209 W PINE CLIFF DR
City	SPOKANE
State	WA
Zip	99208-6930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	FIVE MILE VIEW ESTATES LT 14 BLK 2 (AFN# 6829455)
Legal Subdivision	FIVE MILE VIEW ESTATES
Legal Block	2
Legal Lot Number	14
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1008
Census Tract	10702

Owner

Source: Spokane County records, as of October 14, 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	4209 W PINE CLIFF DR, SPOKANE, WA 99208-6930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2025	Deed of Trust, Mortgage · VA Mortgage KIND LENDING LLC
Oct 4, 2022	Warranty Deed, Subdivision Related Transfer · ARM FLAGSTAR BANK FSB
Oct 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Oct 4, 2022 · Amount on Record
Deed Document Number	20227244605
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4209 W PINE CLIFF DR, SPOKANE, WA 99208-6930
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 W PINE CLIFF DR, SPOKANE, WA 99208-6930

Mortgage

Document Number	0007406139
Date	Mar 26, 2025
Instrument	7406139

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 4, 2022
Property Address	4209 W PINE CLIFF DR, SPOKANE, WA 99208-6930
Document Number	0007244605
Map Reference	VOL 41 PG 16-18
Instrument Date	Oct 3, 2022
Instrument	7244605
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10505 N NAVAHO DR, SPOKANE, WA 99208-6757

Mortgage

Document Number	0007244606
Date	Oct 4, 2022
Instrument	7244606

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	6-Month LIBOR
Margin	3
Max Rate	11.1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 4, 2022
Property Address	4209 W PINE CLIFF DR, SPOKANE, WA 99208-6930
Document Number	0007244541
Map Reference	VOL 41 PG 16-18
Instrument Date	Oct 3, 2022
Instrument	7244541
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Amount	Amount Recorded
Tax	$4,405.00
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	PO BOX 18338, SPOKANE, WA 99228-0338

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	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,231.00 (+3.12%)	$989,400 (+295.76%) Land $260,000 Building $729,400	$989,400 (+295.76%) Land $260,000 Building $729,400
2025	$9,921.00 (+341.52%)
2024		$250,000 (+6.38%) Land $250,000	$250,000 (+6.38%) Land $250,000
2023	$2,247.00 (-11.19%)	$235,000 Land $235,000	$235,000 Land $235,000
2022	$2,530.00

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 · 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

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

Wildfire Risk	Moderate above 58% of the US · above 41% of Washington
Wildfire Likelihood	0.1% 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	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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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