Spokane County property record for 4686 W Lowell Ave, Spokane, WA 99208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,085 sqft · built 2021 |
| Lot Size | 0.291 acres (12,678 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $628,124 (Jun 2021) |
| Tax Bill | $6,653 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26221.2804 |
| Primary APN | 26221.2804 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,085 sqft Living Area |
| Gross Area | 3,859 sqft |
| 1st Floor Area | 1,721 sqft |
| Basement Area | 1,364 sqft |
| Finished Basement | 1,364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,678 sqft (0.291 acres) |
| Garage Type | Attached |
| Garage Area | 774 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 263 sqft |
| Patio Area | 263 sqft |
| Canopy | 317 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4686 W LOWELL AVE |
|---|---|
| City | SPOKANE |
| State | WA |
| Zip | 99208-9094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | 22-26-42: MCCARROLL EAST 6TH ADDITION LOT 4 BLOCK 1 (AFN 6964707) |
| Legal Range | 42 |
| Legal Township | 26 |
| Legal Section | 22 |
| Legal Subdivision | MCCARROLL EAST 6TH ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | SPOKANE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10604 |
4686 W Lowell Ave is owned and occupied by two individuals who bought it in June 2021.
Source: Spokane County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK |
| Jun 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Dec 10, 2020 | Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Dec 10, 2020 | Warranty Deed, Transfer · Commercial Mortgage BANNER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on File |
| Deed Sale | Jun 1, 2021 · Amount on File |
| Deed Document Number | 20217082091 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Title Company | VISTA TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0007033296 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 7033296 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | BOTHELL, WA 98011 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Jun 1, 2021 |
| Property Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Document Number | 0007082091 |
| Map Reference | VOL 42 PG 24-28 |
| Instrument Date | May 27, 2021 |
| Instrument | 7082091 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | SIESTA TITLE AND ESCROW LLC, VISTA TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,285.61 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Investor | Possibly a Property Investor |
| Document Number | 0007082092 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 7082092 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Dec 10, 2020 |
| Property Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Document Number | 0007006806 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 7006806 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4686 W LOWELL AVE SPOKANE WA 99208, SPOKANE, WA 99208 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Dec 10, 2020 |
| Property Address | 4686 W LOWELL AVE, SPOKANE, WA 99208-9094 |
| Document Number | 0007006856 |
| Map Reference | VOL 42 PG 24-28 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 7006856 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | VANGUARD TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $3,525.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0007006857 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 7006857 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 4686 W Lowell Ave was $6,653, up 0.3% from the year before.
Source: Spokane County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Municipality | Spokane City |
| Unified School District | Spokane Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,653.00 (+0.26%) | $640,000 Land $140,000 Building $500,000 | $640,000 Land $140,000 Building $500,000 |
| 2025 | $6,636.00 | ||
| 2024 | $649,900 (+10.9%) Land $125,000 Building $524,900 | $649,900 (+10.9%) Land $125,000 Building $524,900 | |
| 2023 | $6,348.00 (-7.25%) | $586,000 Land $95,000 Building $491,000 | $586,000 Land $95,000 Building $491,000 |
| 2022 | $6,844.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4686 W Lowell Ave in Zone X, an area of minimal flood risk.
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 | 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 risk around 4686 W Lowell Ave is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 68% of Washington |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| Wind Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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