5314 E Apple Tree Ln, Chattaroy, WA 99003 Property Records

Spokane County property record for 5314 E Apple Tree Ln, Chattaroy, WA 99003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,859 sqft · built 2016
Lot Size	2.18 acres (94,961 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (Dec 2015)
Tax Bill	$5,551 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38351.0107`

Property Details

APN / Parcel Number

Primary APN	`38351.0107`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,859 sqft Living Area
Gross Area	3,734 sqft
1st Floor Area	1,152 sqft
2nd Floor Area	1,707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	94,961 sqft
Garage Type	Attached
Garage Area	875 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	1,240 sqft
Patio Area	1,408 sqft
Canopy	1,408 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5314 E APPLE TREE LN
City	CHATTAROY
State	WA
Zip	99003-5046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	APPLE TREE MEADOWS: LOT 7 (AFN 5302488)
Legal Range	43E
Legal Township	28N
Legal Section	35
Legal Subdivision	APPLE TREE MDWS
Legal Lot Number	7
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	1
Census Block	1049
Census Tract	10201

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	1611 E DENISON CHATTAROY RD, CHATTAROY, WA 99003-7005
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2015 · Amount on Record
Deed Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	20156458106
Prior Transfer Date	Sep 8, 2008
Prior Transfer Doc	0005715296
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	5314 E APPLE TREE LN, CHATTAROY, WA 99003-5046
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007052085
Date	Mar 25, 2021
Instrument	7052085

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	5314 E APPLE TREE LN, CHATTAROY, WA 99003-5046
Document Number	0006923495
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5314 E APPLE TREE LN CHATTAROY WA 990035046, CHATTAROY, WA 99003-5046

Mortgage

Document Number	0006923495
Date	May 26, 2020
Instrument	6923495

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2035

Tax Assessment & Valuation

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	$5,551.00 (+3.58%)	$697,060 (+7.92%) Land $120,960 Building $576,100	$697,060 (+7.92%) Land $120,960 Building $576,100
2025	$5,359.00 (+6.69%)
2024		$645,900 (+30.17%) Land $108,600 Building $537,300	$645,900 (+30.17%) Land $108,600 Building $537,300
2023	$5,023.00 (+8.61%)	$496,200 Land $75,000 Building $421,200	$496,200 Land $75,000 Building $421,200
2022	$4,625.00

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1997 · rainfall accumulation

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	Moderate above 45% of the US · lower than 65% of Washington
Wildfire Likelihood	0.07% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
KnightCom Fixed Wireless	439 / 251
Ardent Networks Fixed Wireless · not low latency	250 / 50
Wired or Wireless Fixed Wireless	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	50 / 10
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, CenturyLink.

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