4509 S Cook St, Spokane, WA 99223 Property Records

Spokane County property record for 4509 S Cook St, Spokane, WA 99223

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,035 sqft · built 1980
Lot Size	0.341 acres (14,866 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,035 (2026)
Deeds & Mortgages	May 2021 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`34041.1122`

Property Details

APN / Parcel Number

Primary APN	`34041.1122`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,035 sqft Living Area
Gross Area	2,563 sqft
1st Floor Area	2,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,866 sqft (0.341 acres)
Lot Dimensions	143 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	376 sqft
Patio Area	520 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Street Address	4509 S COOK ST
City	SPOKANE
State	WA
Zip	99223-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	HILLSVIEW 1ST ADD L22 B7
Legal Range	43E
Legal Township	24N
Legal Section	04
Legal Subdivision	HILLSVIEW 1ST ADD
Legal Block	7
Legal Lot Number	22
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2002
Census Tract	4900

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	4509 S COOK ST, SPOKANE, WA 99223-4428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 11, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 22, 2017
Transfer Doc	0006666461
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4509 S COOK ST, SPOKANE, WA 99223-4428
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007070047
Date	May 4, 2021
Instrument	7070047

Lender

Name	NUMERICA CU
Type	Credit Union
Address	VERADALE, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4509 S COOK ST, SPOKANE, WA 99223-4428
Document Number	0006879205
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4509 S COOK ST SPOKANE WA 992234428, SPOKANE, WA 99223-4428

Mortgage

Document Number	0006879205
Date	Jan 3, 2020
Instrument	6879205

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2050

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Dec 11, 2017
Property Address	4509 S COOK ST, SPOKANE, WA 99223-4428
Document Number	0006666461
Map Reference	VOL10 PG8
Instrument Date	Nov 22, 2017
Instrument	6666461
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	SPOKANE COUNTY TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4509 S COOK ST, SPOKANE, WA 99223-4428

Mortgage

Document Number	0006666462
Date	Dec 11, 2017
Instrument	6666462

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

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	$5,035.00 (+6.61%)	$508,500 (+10.28%) Land $165,000 Building $343,500	$508,500 (+10.28%) Land $165,000 Building $343,500
2025	$4,723.00 (+4.79%)
2024		$461,100 (+21.31%) Land $77,000 Building $384,100	$461,100 (+21.31%) Land $77,000 Building $384,100
2023	$4,507.00 (+1.44%)	$380,100 Land $70,000 Building $310,100	$380,100 Land $70,000 Building $310,100
2022	$4,443.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

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 366 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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