423 Elm St, Cheney, WA 99004 Property Records

Spokane County property record for 423 Elm St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,838 sqft · built 1910
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$347,500 (Nov 2021)
Tax Bill	$4,367 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13124.1412`

Property Details

APN / Parcel Number

Primary APN	`13124.1412`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,838 sqft Living Area
Gross Area	3,574 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	1,358 sqft
Basement Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	423 ELM ST
City	CHENEY
State	WA
Zip	99004-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CHENEY NORMAL ADD TO CITY OF LT 7 AND S1/2 LT 8 BLK 14
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	CHENEY NORMAL ADD
Legal Block	14
Legal Lot Number	7,8
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3043
Census Tract	14001

Owner

423 Elm St is owned by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 ELM ST, CHENEY, WA 99004
Owner Type	Individual
Vesting	Married Couple

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Oct 6, 2016 · Amount on File
Deed Document Number	20217153375
Prior Transfer Date	Sep 29, 2016
Prior Transfer Doc	0006541808
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 23, 2021
Property Address	423 ELM ST, CHENEY, WA 99004-2149
Document Number	0007153375
Map Reference	VOL K PG 1
Instrument Date	Nov 11, 2021
Instrument	7153375
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,565.00
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	428 ELM ST, CHENEY, WA 99004

Mortgage

Document Number	0007153376
Date	Nov 23, 2021
Instrument	7153376

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 423 Elm St was $4,367, up 4.6% from the year before.

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	$4,367.00 (+4.62%)	$412,000 Land $85,000 Building $327,000	$412,000 Land $85,000 Building $327,000
2025	$4,174.00
2024		$365,600 (+29.42%) Land $75,000 Building $290,600	$365,600 (+29.42%) Land $75,000 Building $290,600
2023	$3,062.00 (-2.17%)	$282,500 Land $40,000 Building $242,500	$282,500 Land $40,000 Building $242,500
2022	$3,130.00

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

Flood

FEMA maps place 423 Elm St 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 423 Elm St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 66% of Washington
Wildfire Likelihood	0.07% 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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