Spokane County property record for 4796 W Derek Ave, Spokane, WA 99208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,959 sqft · built 2024 |
| Lot Size | 0.22 acres (9,581 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $690,000 (Jan 2025) |
| Tax Bill | $6,857 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26225.3001 |
| Primary APN | 26225.3001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Building Area | 1,959 sqft Living Area |
| Gross Area | 4,463 sqft |
| 1st Floor Area | 1,879 sqft |
| Basement Area | 1,871 sqft |
| Finished Basement | 80 sqft |
| Unfinished Basement | 1,791 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Ranch |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,581 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 713 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Canopy | 238 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 4796 W DEREK AVE |
|---|---|
| City | SPOKANE |
| State | WA |
| Zip | 99208-7809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | 22-26-42: MCCARROLL EAST 6TH ADDITION LOT 1 BLOCK 3 (AFN 6964707) |
| Legal Range | 42 |
| Legal Township | 26 |
| Legal Section | 22 |
| Legal Subdivision | MCCARROLL EAST 6TH ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | SPOKANE |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10604 |
Source: Spokane County records, as of July 2, 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 | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CREDIT UNION |
| May 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CREDIT UNION |
| Jan 16, 2025 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SPOKANE TEACHERS CU |
| Apr 1, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Apr 1, 2021 | Warranty Deed, Construction Loan DIAMOND ROCK FINANCIA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2025 · Amount on Record |
| Deed Sale | Jan 16, 2025 · Amount on Record |
| Prior Sale | Apr 1, 2021 · Amount on Record |
| Deed Document Number | 20257394552 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Jun 26, 2026 |
| Property Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007497814 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20267497814 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007497814, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 20267497814 |
| Name | SPOKANE TEACHERS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | May 28, 2026 |
| Property Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007491782 |
| Instrument Date | May 22, 2026 |
| Instrument | 20267491782 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007491782, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 20267491782 |
| Name | SPOKANE TEACHERS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Jan 16, 2025 |
| Property Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007394552 |
| Map Reference | VOL 42 PG 24-48 |
| Instrument Date | Jan 15, 2025 |
| Instrument | 7394552 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,342.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0007394553 |
|---|---|
| Date | Jan 16, 2025 |
| Instrument | 7394553 |
| Name | SPOKANE TEACHERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Apr 1, 2021 |
| Property Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007055808 |
| Map Reference | VOL 42 PG 24-28 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 7055808 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Apr 1, 2021 |
| Property Address | 4796 W DEREK AVE, SPOKANE, WA 99208-7809 |
| Document Number | 0007055848 |
| Map Reference | VOL 42 PG -24-28 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 7055848 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,213.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0007055849 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 7055849 |
| Name | DIAMOND ROCK FINANCIA LLC |
|---|---|
| Address | SPOKANE, WA 99216 |
| Amount | Amount Recorded |
|---|
Source: Spokane County assessment roll, as of June 17, 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 | $6,857.00 (+327.49%) | $634,600 (+294.16%) Land $140,000 Building $494,600 | $634,600 (+294.16%) Land $140,000 Building $494,600 |
| 2025 | $1,604.00 (+1.39%) | ||
| 2024 | $161,000 (+21.74%) Land $161,000 | $161,000 (+21.74%) Land $161,000 | |
| 2023 | $1,582.00 (+1.87%) | $132,250 Land $132,250 | $132,250 Land $132,250 |
| 2022 | $1,553.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures