515 W Chattaroy Rd, Colbert, WA 99005 Property Records

Spokane County property record for 515 W Chattaroy Rd, Colbert, WA 99005

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,707 sqft · built 2021
Lot Size	8.18 acres (356,321 sqft)
Owner	2 Individual Names on File
Last Sale	$741,910 (Jul 2026)
Tax Bill	$4,592 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38311.9042`

Property Details

APN / Parcel Number

Primary APN	`38311.9042`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,707 sqft Living Area
Gross Area	3,494 sqft
1st Floor Area	1,507 sqft
Basement Area	1,507 sqft
Finished Basement	1,200 sqft
Unfinished Basement	307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	356,321 sqft
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	165 sqft
Patio Area	102 sqft
Canopy	267 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 W CHATTAROY RD
City	COLBERT
State	WA
Zip	99005-9442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	STA
Legal Description	31-28-43 NW1/4 OF SW1/4 OF NE1/4 EXC RDS & EXC HWY 395
Legal Range	43
Legal Township	28
Legal Section	31
Jurisdiction	SPOKANE WA
Township / Civil Division	DEER PARK
Census Block Group	3
Census Block	3009
Census Tract	10305

Owner

515 W Chattaroy Rd is owned and occupied by two individuals who bought it in July 2026.

Source: Spokane County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 4, 2022	Deed of Trust, Mortgage · VA Mortgage MOUNTAIN WEST BANK
Mar 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK
Jan 12, 2021	Warranty Deed, Transfer SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO
May 12, 2017	Warranty Deed, Transfer · Conventional with PMI ROGER O & ROXANN R JOHANSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Jan 12, 2021 · Amount on File
Deed Document Number	20267500248
Prior Transfer Date	Mar 15, 2021
Prior Transfer Doc	0007050615
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 7, 2026
Property Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
Document Number	0007500248
Instrument Date	Jun 30, 2026
Instrument	20267500248
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,334,311.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442

Mortgage

Document Number	0007500249,
Date	Jul 7, 2026
Instrument	20267500249

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007195549
Date	Apr 4, 2022
Instrument	7195549

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Mar 22, 2021
Property Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
Document Number	0007050615
Instrument Date	Mar 15, 2021
Instrument	7050615
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007050616
Date	Mar 22, 2021
Instrument	7050616

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.12%
Index	1-Year CMT
Margin	3
Max Rate	8.12%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 12, 2021
Property Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
Document Number	0007020769
Instrument Date	Jan 8, 2021
Instrument	7020769
Transaction Type	Transfer
Record Updated	Mar 15, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transaction

Amount	Amount on Record
Tax	$104.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 243 COLBERT WA 990050243, COLBERT, WA 99005-0243

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 12, 2017
Property Address	515 W CHATTAROY RD, COLBERT, WA 99005-9442
Document Number	0006602765
Instrument Date	May 11, 2017
Instrument	6602765
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12171 HIGHWAY 211 USK WA 991808727, USK, WA 99180-8727

Mortgage

Document Number	6602766
Date	May 12, 2017
Instrument	6602766

Lender

Name	ROGER O & ROXANN R JOHANSON
Address	10109 N NORTHVIEW LN, SPOKANE, WA 99208-5382
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	May 11, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 515 W Chattaroy Rd was $4,592, down 1.2% from the year before.

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	$4,592.00 (-1.16%)	$749,280 Land $193,980 Building $555,300	$749,280 Land $193,980 Building $555,300
2025	$4,646.00
2024		$587,110 (+80.33%) Land $176,210 Building $410,900	$587,110 (+80.33%) Land $176,210 Building $410,900
2023	$4,572.00 (+49.95%)	$325,570 Land $140,770 Building $184,800	$325,570 Land $140,770 Building $184,800
2022	$3,049.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 515 W Chattaroy Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 515 W Chattaroy Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 61% 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.

Drinking Water

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

Water System	WHITWORTH WATER DISTRICT 2 serves 26,883 people · EPA ID WA5396601
Water Source	Groundwater
Last State Inspection	Apr 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	2 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	25 / 5

May also be available: AT&T, KnightCom, T-Mobile.

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