489 N 3rd St, Cheney, WA 99004 Property Records

Spokane County property record for 489 N 3rd St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,688 sqft · built 1969
Lot Size	0.191 acres (8,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2020)
Tax Bill	$4,642 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13124.6504`

Property Details

APN / Parcel Number

Primary APN	`13124.6504`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,688 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,323 sqft (0.191 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft
Patio Area	200 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	489 N 3RD ST
City	CHENEY
State	WA
Zip	99004-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CHENEY HIGH SCHOOL 2ND L4 B13
Legal Range	41E
Legal Township	23N
Legal Section	12
Legal Subdivision	HIGH SCHOOL ADD 02
Legal Block	13
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3010
Census Tract	14001

Owner

Source: Spokane County records, as of October 1, 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	489 N 3RD ST, CHENEY, WA 99004-2180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Oct 7, 2014 · Amount on Record
Deed Document Number	20207003542
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 3, 2020
Property Address	489 N 3RD ST, CHENEY, WA 99004-2180
Document Number	0007003542
Map Reference	VOL 8 PG 68
Instrument Date	Dec 2, 2020
Instrument	7003542
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,965.00
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	489 N 3RD ST, CHENEY, WA 99004-2180

Mortgage

Document Number	0007003543
Date	Dec 3, 2020
Instrument	7003543

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,642.00 (-2.56%)	$428,500 (+7.69%) Land $80,000 Building $348,500	$428,500 (+7.69%) Land $80,000 Building $348,500
2025	$4,764.00 (+42.98%)
2024		$397,900 (+32.15%) Land $60,000 Building $337,900	$397,900 (+32.15%) Land $60,000 Building $337,900
2023	$3,332.00 (-0.09%)	$301,100 Land $45,000 Building $256,100	$301,100 Land $45,000 Building $256,100
2022	$3,335.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 71% of Washington
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Wired or Wireless Fixed Wireless	200 / 40

May also be available: CenturyLink, T-Mobile, Verizon.

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