4520 N Ely Rd, Spokane, WA 99212 Property Records

Spokane County property record for 4520 N Ely Rd, Spokane, WA 99212 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,394 sqft · built 1971
Lot Size	0.292 acres (12,704 sqft)
Owner	2 Individual Names on File
Last Sale	$313,500 (Dec 2020)
Tax Bill	$5,272 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45062.1406`

Property Details

APN / Parcel Number

Primary APN	`45062.1406`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,394 sqft Living Area
Gross Area	2,444 sqft
1st Floor Area	1,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1991
Architectural Style	Split Foyer
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,704 sqft (0.292 acres)
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4520 N ELY RD
City	SPOKANE
State	WA
Zip	99212-1782
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UPRIVER TERRACE 2ND ADD L6 B1
Legal Range	44E
Legal Township	25N
Legal Section	06
Legal Subdivision	UPRIVER TERRACE 2ND ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3021
Census Tract	11302

Owner

Source: Spokane County records · APN 45062.1406

Assessment roll updated June 17, 2026 · Last verified August 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 File
Mailing Address	2610 23RD AVE SW, PUYALLUP, WA 98371-8500
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 05, 2026	Deed of Trust, Mortgage · Line of Credit IDAHO CENTRAL CREDIT UNION
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 03, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 03, 2020 · Amount on Record
Deed Sale	Dec 03, 2020 · Amount on Record
Prior Sale	Mar 09, 2015 · Amount on Record
Deed Document Number	20207003433
Prior Transfer Date	Jul 30, 1998
Prior Transfer Doc	0004257094
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Aug 05, 2026
Property Address	4520 N ELY RD, SPOKANE, WA 99212-1782
Document Number	0007506656
Instrument Date	Jul 31, 2026
Instrument	20267506656
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 N ELY RD, SPOKANE, WA 99212-1782

Mortgage

Document Number	0007506656,
Date	Aug 05, 2026
Instrument	20267506656

Lender

Name	IDAHO CENTRAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4520 N ELY RD, SPOKANE, WA 99212-1782
Transaction Type	Mortgage
Record Updated	Nov 01, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007149680
Date	Nov 15, 2021
Instrument	7149680

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 03, 2020
Property Address	4520 N ELY RD, SPOKANE, WA 99212-1782
Document Number	0007003433
Map Reference	VOL 8 PG 91
Instrument Date	Dec 01, 2020
Instrument	7003433
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,021.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2610 23RD AVE SW, PUYALLUP, WA 98371-8500

Mortgage

Document Number	0007003434
Date	Dec 03, 2020
Instrument	7003434

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4520 N ELY RD, SPOKANE, WA 99212-1782
Document Number	0006848513
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4520 N ELY RD SPOKANE WA 992121782, SPOKANE, WA 99212-1782

Mortgage

Document Number	0006848513
Date	Oct 01, 2019
Instrument	6848513

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

Tax Assessment & Valuation

Source: Spokane County records · Assessment roll updated June 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	West Valley School District (Spokane) (PK - 12)

Tax Bill & Assessment History

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	$5,272.00 (+5.8%)	$371,900 (+3.02%) Land $120,000 Building $251,900	$371,900 (+3.02%) Land $120,000 Building $251,900
2025	$4,983.00 (+3.04%)
2024		$361,000 (+25.96%) Land $70,000 Building $291,000	$361,000 (+25.96%) Land $70,000 Building $291,000
2023	$4,836.00 (+15.23%)	$286,600 Land $52,500 Building $234,100	$286,600 Land $52,500 Building $234,100
2022	$4,197.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Spokane County (53063C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530630113023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 16% of Washington
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 126 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Xfinity	Cable	2,000 / 250	Yes
Verizon	Fixed Wireless	300 / 20	Yes
Wired or Wireless	Fixed Wireless (unlicensed)	200 / 40	No
Lumen Technologies	DSL	140 / 20	Yes
Concept Communications	Fixed Wireless (unlicensed)	100 / 20	Yes
Newmax	Fixed Wireless (unlicensed)	100 / 20	Yes

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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