4245 E Congress Ave, Spokane, WA 99223 Property Records

Spokane County property record for 4245 E Congress Ave, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,081 sqft · built 1985
Lot Size	0.205 acres (8,910 sqft)
Owner	2 Individual Names on File
Last Sale	$253,000 (Sep 2018)
Tax Bill	$4,396 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35271.4232`

Property Details

APN / Parcel Number

Primary APN	`35271.4232`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,081 sqft Living Area
Gross Area	2,791 sqft
1st Floor Area	1,281 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2003
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,910 sqft (0.205 acres)
Lot Dimensions	135 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4245 E CONGRESS AVE
City	SPOKANE
State	WA
Zip	99223-5448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PINECROFT TER LT 24 AND W16FT OF LT 25 BLK 21
Legal Range	43E
Legal Township	25N
Legal Section	27
Legal Subdivision	PINECROFT TER
Legal Block	21
Legal Lot Number	24,25
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2023
Census Tract	4602

Owner

4245 E Congress Ave is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NUMERICA CU
Sep 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Prior Sale	Apr 7, 2008 · Amount on File
Deed Document Number	20186745339
Prior Transfer Date	Nov 17, 2004
Prior Transfer Doc	0005147621
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448

Mortgage

Document Number	0007310159
Date	Sep 26, 2023
Instrument	7310159

Lender

Name	NUMERICA CU
Type	Credit Union
Address	VERADALE, WA 99037

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007001508
Date	Nov 30, 2020
Instrument	7001508

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE, WA 99216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 20, 2018
Property Address	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448
Document Number	0006745339
Instrument Date	Sep 17, 2018
Instrument	6745339
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,508.40
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	4245 E CONGRESS AVE, SPOKANE, WA 99223-5448

Mortgage

Document Number	0006745340
Date	Sep 20, 2018
Instrument	6745340

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Mortgage

Document Number	0006745341
Date	Sep 20, 2018
Instrument	6745341

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 4245 E Congress Ave was $4,396, up 7.7% 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	$4,396.00 (+7.75%)	$444,800 Land $120,000 Building $324,800	$444,800 Land $120,000 Building $324,800
2025	$4,080.00
2024		$417,900 (+30.27%) Land $82,500 Building $335,400	$417,900 (+30.27%) Land $82,500 Building $335,400
2023	$4,086.00 (+8.9%)	$320,800 Land $60,500 Building $260,300	$320,800 Land $60,500 Building $260,300
2022	$3,752.00

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

Flood

FEMA maps place 4245 E Congress Ave 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 4245 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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