Spokane County property record for 446 N 4th St, Cheney, WA 99004 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1967 |
| Square Footage | 2,384 sqft Living Area |
| Lot Size | 10,598 sqft (0.243 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $390,000 (2023) |
| Tax Bill | $4,027.00 (2026) |
| Primary APN | 13124.5423 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Building Area | 2,384 sqft Living Area |
| Gross Area | 2,888 sqft Gross Area |
| 1st Floor | 1,232 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Wood Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,598 sqft (0.243 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 504 sqft Garage |
| Deck Area | 192 sqft Deck |
| Patio Area | 192 sqft Patio |
| Cooling System | None Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 446 N 4TH ST |
|---|---|
| City | CHENEY |
| State | WA |
| Zip | 99004-2138 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHENEY HIGH SCHOOL ADD & CHENEY HIGH SCHOOL 2ND LT 7 & LT 14 (CUL DE SAC) BLK 2 OF HIGH SCHOOL ADD & PTN OF LT 11 BLK 12 OF CHENEY HIGH SCHOOL 2ND DAF; THAT PTN LYG SLY OF LN DRN FROM SE COR OF LT 11 TO PT IN WLY LN OF LT 11 WHICH PT IS 21.87FT NLY O |
| Legal Range | 41E |
| Legal Township | 23N |
| Legal Section | 12 |
| Legal Subdivision | CHENEY HIGH SCHOOL ADD |
| Legal Block | 2 |
| Legal Lot Number | 7,14 |
| Jurisdiction | SPOKANE WA |
| Minor Civil Division | CHENEY-MEDICAL LAKE |
| Census Blockgroup | 3 |
| Census Block | 3020 |
| Census Tract | 14001 |
Source: Spokane County records · APN 13124.5423
Assessment roll updated June 17, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 09, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage NEST HOME LENDING LLC |
| May 15, 2023 | Warranty Deed, Transfer · Veterans Administration Mortgage LUMINATE HOME LOANS INC |
| Feb 21, 2018 | Deed of Trust, Mortgage · Line of Credit NUMERICA CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on Record |
| Deed Sale | May 15, 2023 · Amount on Record |
| Prior Sale | May 30, 2001 · Amount on Record |
| Deed Doc Number | 20237284118 |
| Prior Transfer Date | Sep 28, 2009 |
| Prior Transfer Doc | 0005846697 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Jun 09, 2026 |
| Property Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Document Number | 0007494322 |
| Instrument Date | Jun 04, 2026 |
| Instrument | 20267494322 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Document Number | 0007494322, |
|---|---|
| Date | Jun 09, 2026 |
| Instrument | 20267494322 |
| Name | NEST HOME LENDING LLC |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | May 15, 2023 |
| Property Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Document Number | 0007284118 |
| Map Reference | VOL 8 PG 29 |
| Instrument Date | May 10, 2023 |
| Instrument | 7284118 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,245.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Document Number | 0007284119 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 7284119 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 446 N 4TH ST, CHENEY, WA 99004-2138 |
| Document Number | 0006684764 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2018 |
| Title Company | SPOKANE COUNTY TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 446 N 4TH ST CHENEY WA 990042138, CHENEY, WA 99004-2138 |
| Document Number | 0006684764 |
|---|---|
| Date | Feb 27, 2018 |
| Instrument | 6684764 |
| Name | NUMERICA CU |
|---|---|
| Type | Credit Union |
| Address | SPOKANE VALLEY, WA 99037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 26, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Spokane County records · Assessment roll updated June 17, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Municipality | Cheney City |
| Unified School District | Cheney School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,027.00 (-1.32%) | $372,100 (+2.93%) Land $80,000 Building $292,100 | $372,100 (+2.93%) Land $80,000 Building $292,100 |
| 2025 | $4,081.00 (+44.56%) | $361,500 (+7.3%) Land $75,000 Building $286,500 | $361,500 (+7.3%) Land $75,000 Building $286,500 |
| 2024 | $336,900 (+29.38%) Land $60,000 Building $276,900 | $336,900 (+29.38%) Land $60,000 Building $276,900 | |
| 2023 | $2,823.00 (-2.18%) | $260,400 Land $45,000 Building $215,400 | $260,400 Land $45,000 Building $215,400 |
| 2022 | $2,886.00 |
Source: FEMA National Flood Hazard Layer, Spokane County (53063C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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