49 E Providence Ave, Spokane, WA 99207 Property Records

Spokane County property record for 49 E Providence Ave, Spokane, WA 99207

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 1939
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2022)
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35053.0520`

Property Details

APN / Parcel Number

Primary APN	`35053.0520`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	984 sqft
Basement Area	744 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2015
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	102 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Patio Area	200 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	49 E PROVIDENCE AVE
City	SPOKANE
State	WA
Zip	99207-1865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	LIDGERWOOD PK L20 B88
Legal Range	43E
Legal Township	25N
Legal Section	05
Legal Subdivision	LIDGERWOOD PK
Legal Block	88
Legal Lot Number	20
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	4
Census Block	4046
Census Tract	1400

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	49 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage 1ST SECURITY BANK OF WASHINGTON
Apr 15, 2020	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Apr 15, 2020 · Amount on Record
Deed Document Number	20227225308
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 19, 2022
Property Address	49 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Document Number	0007225308
Map Reference	VOL A PG 124&125
Instrument Date	Jul 18, 2022
Instrument	7225308
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	VESTAT TITLE AND ESCROW, VISTA TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,205.00
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	49 E PROVIDENCE AVE, SPOKANE, WA 99207-1865

Mortgage

Document Number	0007225309
Date	Jul 19, 2022
Instrument	7225309

Lender

Name	1ST SECURITY BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 15, 2020
Property Address	49 E PROVIDENCE AVE, SPOKANE, WA 99207-1865
Document Number	0006910929
Map Reference	VOL A PG 124&125
Instrument Date	Mar 27, 2020
Instrument	6910929
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,443.40
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	49 E PROVIDENCE AVE, SPOKANE, WA 99207-1865

Mortgage

Document Number	0006910930
Date	Apr 15, 2020
Instrument	6910930

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Mortgage

Document Number	0006910931
Date	Apr 15, 2020
Instrument	6910931

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,198.00 (-1.11%)	$327,700 (+4.9%) Land $75,000 Building $252,700	$327,700 (+4.9%) Land $75,000 Building $252,700
2025	$3,234.00 (-0.22%)	$312,400 (-5.68%) Land $75,000 Building $237,400	$312,400 (-5.68%) Land $75,000 Building $237,400
2024		$331,200 (+37.43%) Land $65,000 Building $266,200	$331,200 (+37.43%) Land $65,000 Building $266,200
2023	$3,241.00 (+14.89%)	$241,000 Land $42,000 Building $199,000	$241,000 Land $42,000 Building $199,000
2022	$2,821.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 671 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20

May also be available: T-Mobile.

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