428 E Providence Ave, Spokane, WA 99207 Property Records

Spokane County property record for 428 E Providence Ave, Spokane, WA 99207

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1910
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,200 (Jul 2006)
Tax Bill	$2,614 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35053.1001`

Property Details

APN / Parcel Number

Primary APN	`35053.1001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,649 sqft
1st Floor Area	1,092 sqft
Basement Area	557 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2004
Architectural Style	Bungalow
Exterior Material	Metal
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	102 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	108 sqft
Deck Area	108 sqft
Canopy	108 sqft
Pole Barn	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	428 E PROVIDENCE AVE
City	SPOKANE
State	WA
Zip	99207-1872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	LIDGERWOOD PK L1 B91
Legal Range	43E
Legal Township	25N
Legal Section	05
Legal Subdivision	LIDGERWOOD PK
Legal Block	91
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	4
Census Block	4052
Census Tract	1400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 E SPOKANE FALLS BLVD, SPOKANE, WA 99202-2114
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
May 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NUMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2006 · Amount on Record
Deed Sale	Jul 24, 2006 · Amount on Record
Prior Sale	Nov 9, 2004 · Amount on Record
Deed Document Number	20065410561
Last Transfer Date	Apr 22, 2021
Transfer Doc	0007069639
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	428 E PROVIDENCE AVE, SPOKANE, WA 99207-1872
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007212428
Date	Jun 2, 2022
Instrument	7212428

Lender

Name	NUMERICA CU
Type	Credit Union
Address	VERADALE, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	May 3, 2021
Property Address	428 E PROVIDENCE AVE, SPOKANE, WA 99207-1872
Document Number	0007069639
Map Reference	VOL A PG 124&125
Instrument Date	Apr 22, 2021
Instrument	7069639
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E SPOKANE FALLS BLVD, SPOKANE, WA 99202-2114

Mortgage

Document Number	0007069640
Date	May 3, 2021
Instrument	7069640

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	428 E PROVIDENCE AVE, SPOKANE, WA 99207-1872
Document Number	0006910799
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	428 E PROVIDENCE AVE SPOKANE WA 992071872, SPOKANE, WA 99207-1872

Mortgage

Document Number	0006910799
Date	Apr 15, 2020
Instrument	6910799

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 14, 2045

Tax Assessment & Valuation

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	$2,614.00 (+0.46%)	$283,300 (+10.28%) Land $75,000 Building $208,300	$283,300 (+10.28%) Land $75,000 Building $208,300
2025	$2,602.00 (+3.42%)
2024		$256,900 (+38.49%) Land $65,000 Building $191,900	$256,900 (+38.49%) Land $65,000 Building $191,900
2023	$2,516.00 (+15.73%)	$185,500 Land $42,000 Building $143,500	$185,500 Land $42,000 Building $143,500
2022	$2,174.00

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

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

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

Wildfire Risk	Not rated no burnable land 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 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 671 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20

May also be available: T-Mobile.

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