4242 E Congress Ave, Spokane, WA 99223 Property Records

Spokane County property record for 4242 E Congress Ave, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1969
Lot Size	0.413 acres (17,978 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (May 2026)
Tax Bill	$4,702 (2026)
Deeds & Mortgages	May 2021 Mortgage May 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`35271.4322`

Property Details

APN / Parcel Number

Primary APN	`35271.4322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	17,978 sqft (0.413 acres)
Lot Dimensions	135 ft deep x 222 ft wide
Garage Type	Detached
Garage Area	1,018 sqft
Parking Spaces	4 Parking Spaces
Patio Area	96 sqft
Canopy	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4242 E CONGRESS AVE
City	SPOKANE
State	WA
Zip	99223-5449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	A PORTION OF LOT 2, EXCEPT THE EAST 26.83FT THEREOF; LOTS 3,4, AND 5, BLOCK 22, PINECROFT TERRACE ADDITION. SAID PORTION BEING DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHWEST CORNER OF SD LOT 5; TH ALONG THE NORTH LINE OF SD BLOCK 22, NORTH 900000E
Legal Range	00
Legal Township	00
Legal Section	90
Legal Subdivision	PINECROFT TERRACE ADDITION
Legal Block	22
Legal Lot Number	2,3,4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3000
Census Tract	4602

Owner

4242 E Congress Ave is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 28, 2026	Warranty Deed, Transfer · FHA Mortgage TICOR TITLE INSURANCE COMPANY, TICOR TITLE
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Sep 4, 2020	Correction Deed TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Sep 2, 2020	Quit Claim Deed, Transfer OTHER
Apr 5, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Jan 15, 2019	Warranty Deed, Construction Loan · Line of Credit IRON BRIDGE MTG FUND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Apr 5, 2019 · Amount on File
Deed Document Number	20267491947
Prior Transfer Date	Sep 10, 2008
Prior Transfer Doc	0005718567
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007075735
Date	May 17, 2021
Instrument	7075735

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	APO, AE 9211

Agreement

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

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 28, 2026
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0007491947
Instrument Date	May 21, 2026
Instrument	20267491947
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875,872.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449

Mortgage

Document Number	0007491948,
Date	May 28, 2026
Instrument	20267491948

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0007491949,
Date	May 28, 2026
Instrument	20267491949

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006947019
Date	Jul 24, 2020
Instrument	6947019

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company
Address	RICHARDSON, TX 75083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

September 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 4, 2020
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0006964971
Instrument Date	Sep 4, 2020
Instrument	6964971
Record Updated	Oct 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4242 E CONGRESS AVE SPOKANE WA 992235449, SPOKANE, WA 99223-5449

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 2, 2020
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0006963745
Instrument Date	Sep 1, 2020
Instrument	6963745
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4242 E CONGRESS AVE SPOKANE WA 992235449, SPOKANE, WA 99223-5449

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 5, 2019
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0006795226
Map Reference	VOL N PMG 18&19
Instrument Date	Apr 3, 2019
Instrument	6795226
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,612.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449

Mortgage

Document Number	0006795227
Date	Apr 5, 2019
Instrument	6795227

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

January 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 15, 2019
Property Address	4242 E CONGRESS AVE, SPOKANE, WA 99223-5449
Document Number	0006775709
Instrument Date	Jan 10, 2019
Instrument	6775709
Transaction Type	Construction Loan
Record Updated	May 5, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,455.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9221 SW BARBUR BLVD #308 PORTLAND OR 972195421, 308, PORTLAND, OR 97219-5421

Mortgage

Document Number	6775710
Date	Jan 15, 2019
Instrument	6775710

Lender

Name	IRON BRIDGE MTG FUND
Type	Mortgage Company
Address	PORTLAND, OR 97225

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 14, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4242 E Congress Ave was $4,702, down 0.1% from the year before.

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	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,702.00 (-0.11%)	$486,500 (+5.6%) Land $120,000 Building $366,500	$486,500 (+5.6%) Land $120,000 Building $366,500
2025	$4,707.00	$460,700 (-2.23%) Land $120,000 Building $340,700	$460,700 (-2.23%) Land $120,000 Building $340,700
2024		$471,200 (+29.93%) Land $104,500 Building $366,700	$471,200 (+29.93%) Land $104,500 Building $366,700
2023	$4,606.00 (+8.63%)	$362,650 Land $123,750 Building $238,900	$362,650 Land $123,750 Building $238,900
2022	$4,240.00

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

Flood

FEMA maps place 4242 E Congress Ave 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 4242 E Congress Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Intermax Networks.

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