4620 E Oregon Rd, Elk, WA 99009 Property Records

Spokane County property record for 4620 E Oregon Rd, Elk, WA 99009

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,288 sqft · built 2010
Lot Size	9.31 acres (405,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,000 (Dec 2019)
Tax Bill	$6,091 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39112.9022`

Property Details

APN / Parcel Number

Primary APN	`39112.9022`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,288 sqft Living Area
Gross Area	3,673 sqft
1st Floor Area	1,430 sqft
Basement Area	1,430 sqft
Finished Basement	858 sqft
Unfinished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	405,979 sqft
Garage Type	Attached
Garage Area	813 sqft
Parking Spaces	3 Parking Spaces
Patio Area	352 sqft
Canopy	532 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Street Address	4620 E OREGON RD
City	ELK
State	WA
Zip	99009-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	11 29 43 PTN OF NW1/4 OF NW1/4 LYG N OF LN DRN 1600FT N O F S LN OF NW1/4 EXC N600FT & EXC E350FT OF W400FT OF S400FT OF N1000FT
Legal Range	43
Legal Township	29
Legal Section	11
Jurisdiction	SPOKANE WA
Township / Civil Division	DEER PARK
Census Block Group	4
Census Block	4008
Census Tract	10304

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	4620 E OREGON RD, ELK, WA 99009-9745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHER CU
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Dec 12, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	20196873249
Prior Transfer Date	Jul 6, 2009
Prior Transfer Doc	0005810995
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4620 E OREGON RD, ELK, WA 99009-9745
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007255438
Date	Nov 29, 2022
Instrument	7255438

Lender

Name	SPOKANE TEACHER CU
Type	Credit Union
Address	ELK, WA 99009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	4620 E OREGON RD, ELK, WA 99009-9745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006980350
Date	Oct 13, 2020
Instrument	6980350

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49548

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 12, 2019
Property Address	4620 E OREGON RD, ELK, WA 99009-9745
Document Number	0006873249
Instrument Date	Dec 10, 2019
Instrument	6873249
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,730.20
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	4620 E OREGON RD, ELK, WA 99009-9745

Mortgage

Document Number	0006873250
Date	Dec 12, 2019
Instrument	6873250

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$6,091.00 (+11.58%)	$732,740 (+17.54%) Land $142,240 Building $590,500	$732,740 (+17.54%) Land $142,240 Building $590,500
2025	$5,459.00 (+12.05%)
2024		$623,400 (+43.12%) Land $149,400 Building $474,000	$623,400 (+43.12%) Land $149,400 Building $474,000
2023	$4,872.00 (+19.27%)	$435,580 Land $69,280 Building $366,300	$435,580 Land $69,280 Building $366,300
2022	$4,085.00

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 55% of the US · lower than 60% 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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