4521 E Oregon Rd, Elk, WA 99009 Property Records

Spokane County property record for 4521 E Oregon Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,372 sqft · built 1992
Lot Size	4.8 acres (209,088 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Dec 2021)
Tax Bill	$7,952 (2026)
Deeds & Mortgages	Sep 2025 Transfer Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`39023.9018`

Property Details

APN / Parcel Number

Primary APN	`39023.9018`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,372 sqft Living Area
Gross Area	5,894 sqft
1st Floor Area	2,298 sqft
Upper Floors Area	2,648 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	209,088 sqft
Garage Type	Attached
Garage Area	948 sqft
Parking Spaces	4 Parking Spaces
Deck Area	200 sqft
Patio Area	400 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4521 E OREGON RD
City	ELK
State	WA
Zip	99009-8805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	02-29-43 W1/2 OF S1/2 OF E1/2 OF SW1/4 OF SW1/4 EXC RD
Legal Range	43
Legal Township	29
Legal Section	02
Jurisdiction	SPOKANE WA
Township / Civil Division	DEER PARK
Census Block Group	4
Census Block	4002
Census Tract	10304

Owner

Source: Spokane County records, as of September 25, 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 Record
Mailing Address	4521 E OREGON RD, ELK, WA 99009-8805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Intrafamily Transfer, Transfer
Apr 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Dec 16, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Oct 20, 2006
Deed Document Number	20217161964
Last Transfer Date	Sep 19, 2025
Transfer Doc	0007443195
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Sep 25, 2025
Property Address	4521 E OREGON RD, ELK, WA 99009-8805
Document Number	0007443195
Instrument Date	Sep 19, 2025
Instrument	7443195
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4521 E OREGON RD, ELK, WA 99009-8805
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 E OREGON RD, ELK, WA 99009-8805

Mortgage

Document Number	0007278576
Date	Apr 14, 2023
Instrument	7278576

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 16, 2021
Property Address	4521 E OREGON RD, ELK, WA 99009-8805
Document Number	0007161964
Instrument Date	Dec 14, 2021
Instrument	7161964
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$9,518.00
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	4521 E OREGON RD, ELK, WA 99009-8805

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4521 E OREGON RD, ELK, WA 99009-8805
Document Number	0006945063
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 E OREGON RD ELK WA 990098805, ELK, WA 99009-8805

Mortgage

Document Number	0006945063
Date	Jul 21, 2020
Instrument	6945063

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,952.00 (+21.85%)	$780,200 (-3.61%) Land $110,400 Building $669,800	$780,200 (-3.61%) Land $110,400 Building $669,800
2025	$6,526.00 (+5.05%)	$809,400 (+9.23%) Land $64,000 Building $745,400	$809,400 (+9.23%) Land $64,000 Building $745,400
2024	$6,212.00 (+7.42%)	$741,000 (+18.16%) Land $64,000 Building $677,000	$741,000 (+18.16%) Land $64,000 Building $677,000
2023	$5,783.00 (-1.4%)	$627,100 Land $34,200 Building $592,900	$627,100 Land $34,200 Building $592,900
2022	$5,865.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Moderate above 53% of the US · lower than 61% of Washington
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wind Wireless Fixed Wireless	100 / 20
Wired or Wireless Fixed Wireless · not low latency	30 / 10
Ziply Fiber Fixed Wireless	10 / 1

May also be available: KnightCom.

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