421 N 4th St, Cheney, WA 99004 Property Records

Spokane County property record for 421 N 4th St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1965
Lot Size	0.244 acres (10,625 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,732 (2026)
Deeds & Mortgages	Jul 2022 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13124.5503`

Property Details

APN / Parcel Number

Primary APN	`13124.5503`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,625 sqft (0.244 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	421 N 4TH ST
City	CHENEY
State	WA
Zip	99004-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	HIGH SCHOOL ADD L3 B3
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	HIGH SCHOOL ADD
Legal Block	3
Legal Lot Number	3
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3019
Census Tract	14001

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	421 N 4TH ST, CHENEY, WA 99004-2137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LENDAGE LLC
Oct 13, 2021	Intrafamily Transfer, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021
Deed Sale	Oct 13, 2021
Prior Sale	Mar 30, 2004 · Amount on Record
Deed Document Number	20217137344
Prior Transfer Date	Oct 5, 2021
Prior Transfer Doc	0007137344
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	421 N 4TH ST, CHENEY, WA 99004-2137
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007226944
Date	Jul 26, 2022
Instrument	7226944

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Oct 13, 2021
Property Address	421 N 4TH ST, CHENEY, WA 99004-2137
Document Number	0007137344
Map Reference	VOL 8 PG 29
Instrument Date	Oct 5, 2021
Instrument	7137344
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 N 4TH ST, CHENEY, WA 99004-2137

Mortgage

Document Number	0007137345
Date	Oct 13, 2021
Instrument	7137345

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	421 N 4TH ST, CHENEY, WA 99004-2137
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007084035
Date	Jun 7, 2021
Instrument	7084035

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,732.00 (-0.13%)	$344,900 (+11.26%) Land $80,000 Building $264,900	$344,900 (+11.26%) Land $80,000 Building $264,900
2025	$3,737.00 (+43.84%)
2024		$310,000 (+35.91%) Land $60,000 Building $250,000	$310,000 (+35.91%) Land $60,000 Building $250,000
2023	$2,598.00 (+2.73%)	$228,100 Land $45,000 Building $183,100	$228,100 Land $45,000 Building $183,100
2022	$2,529.00

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	Low lower than 62% of the US · lower than 69% of Washington
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect 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 CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	1 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	1,000 / 1,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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