422 N 3rd St, Cheney, WA 99004 Property Records

Spokane County property record for 422 N 3rd St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,461 sqft · built 1966
Lot Size	0.244 acres (10,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,000 (Jul 2020)
Tax Bill	$4,968 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13124.5510`

Property Details

APN / Parcel Number

Primary APN	`13124.5510`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,461 sqft Living Area
Gross Area	2,902 sqft
1st Floor Area	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2016
Architectural Style	Split Foyer
Exterior Material	Wood
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	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	276 sqft
Patio Area	436 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	422 N 3RD ST
City	CHENEY
State	WA
Zip	99004-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	HIGH SCHOOL ADD L10 B3
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	HIGH SCHOOL ADD
Legal Block	3
Legal Lot Number	10
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5924A KAMIAKIN TRL, FAIRCHILD AIR FORCE BASE, WA 99011-2210
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2018	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Jul 21, 2020	Warranty Deed, Transfer · VA Mortgage GUARDIAN MORTGAGE CO INC
Jan 8, 2018	Warranty Deed, Transfer · VA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Jan 8, 2018 · Amount on Record
Deed Document Number	20206945315
Prior Transfer Date	Jan 27, 1998
Prior Transfer Doc	0004183996
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	422 N 3RD ST, CHENEY, WA 99004-2126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006830154
Date	Aug 8, 2019
Instrument	6830154

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	422 N 3RD ST, CHENEY, WA 99004-2126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006764346
Date	Nov 27, 2018
Instrument	6764346

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 21, 2020
Property Address	422 N 3RD ST, CHENEY, WA 99004-2126
Document Number	0006945315
Map Reference	VOL 8 PG 29
Instrument Date	Jul 21, 2020
Instrument	6945315
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	NEXTITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,741.00
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	5924A KAMIAKIN TRL, FAIRCHILD AIR FORCE BASE, WA 99011-2210

Mortgage

Document Number	0006945316
Date	Jul 21, 2020
Instrument	6945316

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 8, 2018
Property Address	422 N 3RD ST, CHENEY, WA 99004-2126
Document Number	0006673211
Map Reference	VOL8 PG29
Instrument Date	Jan 4, 2018
Instrument	6673211
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	$4,223.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 N 3RD ST, CHENEY, WA 99004-2126

Mortgage

Document Number	0006673212
Date	Jan 8, 2018
Instrument	6673212

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$4,968.00 (+1.47%)	$458,400 (+11.83%) Land $80,000 Building $378,400	$458,400 (+11.83%) Land $80,000 Building $378,400
2025	$4,896.00 (+42.66%)
2024		$409,900 (+32.01%) Land $60,000 Building $349,900	$409,900 (+32.01%) Land $60,000 Building $349,900
2023	$3,432.00 (-0.2%)	$310,500 Land $45,000 Building $265,500	$310,500 Land $45,000 Building $265,500
2022	$3,439.00

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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