5404 E Chattaroy Rd, Chattaroy, WA 99003 Property Records

Spokane County property record for 5404 E Chattaroy Rd, Chattaroy, WA 99003

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,137 sqft · built 2022
Lot Size	4.65 acres (202,554 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Nov 2018)
Tax Bill	$6,445 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38264.9089`

Property Details

APN / Parcel Number

Primary APN	`38264.9089`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Building Area	3,137 sqft Living Area
Gross Area	4,138 sqft
1st Floor Area	2,168 sqft
2nd Floor Area	969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	202,554 sqft
Garage Type	Attached
Garage Area	1,001 sqft
Parking Spaces	4 Parking Spaces
Deck Area	138 sqft
Patio Area	95 sqft
Canopy	413 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5404 E CHATTAROY RD
City	CHATTAROY
State	WA
Zip	99003-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCV
Legal Description	SP 1624-18 LOT 2 (AFN#6744419)
Legal Subdivision	SHORT PLAT SP-1624-18
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	1
Census Block	1059
Census Tract	10201

Owner

5404 E Chattaroy Rd is owned by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	12402 N DIVISION ST, SPOKANE, WA 99218-1930
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION
Jul 11, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Nov 7, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Deed Document Number	20186758513
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	5404 E CHATTAROY RD, CHATTAROY, WA 99003-5200
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007201560
Date	Apr 25, 2022
Instrument	7201560

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	5404 E CHATTAROY RD, CHATTAROY, WA 99003-5200
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5404 E CHATTAROY RD, CHATTAROY, WA 99003-5200

Mortgage

Document Number	0007295290
Date	Jul 11, 2023
Instrument	7295290

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 17, 2018
Property Address	5404 E CUSTER RD, SPOKANE, WA 99003
Document Number	0006769799
Instrument Date	Nov 26, 2018
Instrument	6769799
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28613 N COTTONWOOD RD CHATTAROY WA 990038646, CHATTAROY, WA 99003-8646

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 7, 2018
Property Address	5404 E CUSTER RD, SPOKANE, WA 99003
Document Number	0006758513
Instrument Date	Oct 26, 2018
Instrument	6758513
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$1,073.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12402 N DIVISION ST #345 SPOKANE WA 992181930, 345, SPOKANE, WA 99218-1930

Tax Assessment & Valuation

The 2026 property tax bill for 5404 E Chattaroy Rd was $6,445, down 1.9% 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	$6,445.00 (-1.87%)	$878,650 (+6.83%) Land $115,150 Building $763,500	$878,650 (+6.83%) Land $115,150 Building $763,500
2025	$6,568.00 (+4.52%)	$822,470 (+2.54%) Land $88,470 Building $734,000	$822,470 (+2.54%) Land $88,470 Building $734,000
2024	$6,284.00 (+0.88%)	$802,080 (+1,496.18%) Land $68,080 Building $734,000	$802,080 (+1,496.18%) Land $68,080 Building $734,000
2023	$6,229.00 (+1,145.8%)	$50,250 Land $50,250	$50,250 Land $50,250
2022	$500.00

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

Flood

FEMA maps place 5404 E Chattaroy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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

Wildfire risk around 5404 E Chattaroy Rd is moderate, ranking above 52% 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 52% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
KnightCom Fixed Wireless	404 / 231
Wired or Wireless Fixed Wireless	200 / 40
Wind Wireless Fixed Wireless	100 / 20
CenturyLink DSL	60 / 5
Ziply Fiber Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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