424 E Owens Rd, Chattaroy, WA 99003 Property Records

Spokane County property record for 424 E Owens Rd, Chattaroy, WA 99003

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,739 sqft · built 2006
Lot Size	9.98 acres (435,164 sqft)
Owner	2 Individual Names on File
Last Sale	$449,900 (Nov 2017)
Tax Bill	$6,352 (2026)
Deeds & Mortgages	Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38202.9042`

Property Details

APN / Parcel Number

Primary APN	`38202.9042`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,739 sqft Living Area
Gross Area	5,672 sqft
1st Floor Area	2,038 sqft
2nd Floor Area	901 sqft
Basement Area	2,000 sqft
Finished Basement	800 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,164 sqft
Garage Type	Attached
Garage Area	733 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	256 sqft
Patio Area	376 sqft
Canopy	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	424 E OWENS RD
City	CHATTAROY
State	WA
Zip	99003-7762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	20-28-43 PARCEL F OF ROS BK 110 PG 39
Legal Range	43
Legal Township	28
Legal Section	20
Jurisdiction	SPOKANE WA
Township / Civil Division	DEER PARK
Census Block Group	1
Census Block	1034
Census Tract	10304

Owner

424 E Owens Rd is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	424 E OWENS RD, CHATTAROY, WA 99003-7762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
	Deed of Trust, Mortgage
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU
Nov 9, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Prior Sale	May 25, 2006
Deed Document Number	20176658095
Prior Transfer Date	Dec 22, 2011
Prior Transfer Doc	0006066696
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	424 E OWENS RD, CHATTAROY, WA 99003-7762
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 E QWENS CT, CHATTAROY, WA 99003

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	424 E OWENS RD, CHATTAROY, WA 99003-7762
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006574694
Date	Jan 30, 2017
Instrument	6574694

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	424 E OWENS RD, CHATTAROY, WA 99003-7762
Document Number	0006853093
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	424 E OWENS RD CHATTAROY WA 990037762, CHATTAROY, WA 99003-7762

Mortgage

Document Number	0006853093
Date	Oct 15, 2019
Instrument	6853093

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 9, 2017
Property Address	424 E OWENS RD, CHATTAROY, WA 99003-7762
Document Number	0006658095
Instrument Date	Nov 7, 2017
Instrument	6658095
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,013.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E OWENS RD CHATTAROY WA 990037762, CHATTAROY, WA 99003-7762

Mortgage

Document Number	6658096
Date	Nov 9, 2017
Instrument	6658096

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 424 E Owens Rd was $6,352, up 3.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Riverside School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,352.00 (+3.15%)	$821,520 Land $169,920 Building $651,600	$821,520 Land $169,920 Building $651,600
2025	$6,158.00
2024		$817,440 (+31.79%) Land $135,440 Building $682,000	$817,440 (+31.79%) Land $135,440 Building $682,000
2023	$6,348.00 (+9.96%)	$620,250 Land $86,750 Building $533,500	$620,250 Land $86,750 Building $533,500
2022	$5,773.00

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

Flood

FEMA maps place 424 E Owens Rd 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 424 E Owens Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 40% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	10 / 1

May also be available: AT&T, KnightCom.

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