528 S Ray St, Spokane, WA 99202 Property Records

Spokane County property record for 528 S Ray St, Spokane, WA 99202

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1925
Lot Size	0.148 acres (6,450 sqft)
Owner	Individual Name on File
Last Sale	$235,500 (Jul 2023)
Tax Bill	$2,413 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`35222.4408`

Property Details

APN / Parcel Number

Primary APN	`35222.4408`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Gross Area	1,294 sqft
1st Floor Area	660 sqft
Attic	Attic
Attic Area	360 sqft
Basement Area	120 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,450 sqft (0.148 acres)
Lot Dimensions	129 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	210 sqft
Shed	1 Shed
Shed Area	256 sqft
Canopy	56 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	528 S RAY ST
City	SPOKANE
State	WA
Zip	99202-5160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTF
Legal Description	BISBEES 3RD E129FT OF L6 B1
Legal Range	43E
Legal Township	25N
Legal Section	22
Legal Subdivision	BISBEES 3RD
Legal Block	1
Legal Lot Number	6
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1022
Census Tract	3000

Owner

528 S Ray St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	528 S RAY ST, SPOKANE, WA 99202-5160
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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, 2023	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 16, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Prior Sale	Sep 16, 2020 · Amount on File
Deed Document Number	20237294739
Prior Transfer Date	Dec 18, 2012
Prior Transfer Doc	0006161257
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 7, 2023
Property Address	528 S RAY ST, SPOKANE, WA 99202-5160
Document Number	0007294739
Map Reference	VOL D PG 14
Instrument Date	Jul 5, 2023
Instrument	7294739
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	WFG NATL TTL CO OF WASTERN W

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,773.00
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	528 S RAY ST, SPOKANE, WA 99202-5160

Mortgage

Document Number	0007294740
Date	Jul 7, 2023
Instrument	7294740

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0007294741
Date	Jul 7, 2023
Instrument	7294741

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 16, 2020
Property Address	528 S RAY ST, SPOKANE, WA 99202-5160
Document Number	0006968974
Map Reference	VOL D PG 14
Instrument Date	Aug 19, 2020
Instrument	6968974
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	VISTA TITLE AND ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,077.00
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	528 S RAY ST, SPOKANE, WA 99202-5160

Mortgage

Document Number	0006968975
Date	Sep 16, 2020
Instrument	6968975

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	0006968976
Date	Sep 16, 2020
Instrument	6968976

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 528 S Ray St was $2,413, up 11.7% from the year before.

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	$2,413.00 (+11.66%)	$235,100 Land $75,000 Building $160,100	$235,100 Land $75,000 Building $160,100
2025	$2,161.00
2024		$234,400 (+39.16%) Land $55,000 Building $179,400	$234,400 (+39.16%) Land $55,000 Building $179,400
2023	$2,297.00 (+16.3%)	$168,440 (-) Land $29,540 Building $138,900	$168,440 (-) Land $29,540 Building $138,900
2022	$1,975.00	$168,440 Land $29,540 Building $138,900	$168,440 Land $29,540 Building $138,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 S Ray St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 528 S Ray St has no burnable land within ember reach, so its wildfire risk is not rated.

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 424 locations within half a mile, as of December 31, 2025

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

May also be available: Intermax Networks.

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