6404 N Elgin St, Spokane, WA 99208 Property Records

Spokane County property record for 6404 N Elgin St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,364 sqft · built 1958
Lot Size	0.229 acres (9,993 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Aug 2020)
Tax Bill	$3,799 (2026)
Deeds & Mortgages	Oct 2017 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26254.0603`

Property Details

APN / Parcel Number

Primary APN	`26254.0603`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,364 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	1,216 sqft
Basement Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2010
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,993 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	420 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	6404 N ELGIN ST
City	SPOKANE
State	WA
Zip	99208-4343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	COZZA SUB DIVISION S75FT L3;N5FT L4 B1
Legal Range	42E
Legal Township	26N
Legal Section	25
Legal Subdivision	COZZA SUB
Legal Block	1
Legal Lot Number	3,4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1053
Census Tract	800

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	6404 N ELGIN ST, SPOKANE, WA 99208-4343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2017	Deed of Trust, Mortgage · Line of Credit INLAND NORTHWEST BANK
Aug 6, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	Dec 26, 2001 · Amount on Record
Deed Document Number	20206952790
Prior Transfer Date	Jun 22, 2009
Prior Transfer Doc	0005808008
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	6404 N ELGIN ST, SPOKANE, WA 99208-4343
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006647268
Date	Oct 10, 2017
Instrument	6647268

Lender

Name	INLAND NORTHWEST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 6, 2020
Property Address	6404 N ELGIN ST, SPOKANE, WA 99208-4343
Document Number	0006952790
Map Reference	VOL 5 PG 28
Instrument Date	Aug 5, 2020
Instrument	6952790
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,325.00
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	6404 N ELGIN ST, SPOKANE, WA 99208-4343

Mortgage

Document Number	0006952791
Date	Aug 6, 2020
Instrument	6952791

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0006952792
Date	Aug 6, 2020
Instrument	6952792

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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	$3,799.00 (-2.24%)	$347,900 (-4.97%) Land $100,000 Building $247,900	$347,900 (-4.97%) Land $100,000 Building $247,900
2025	$3,886.00 (+8.52%)
2024		$366,100 (+37.99%) Land $75,000 Building $291,100	$366,100 (+37.99%) Land $75,000 Building $291,100
2023	$3,581.00 (+15.33%)	$265,300 Land $45,000 Building $220,300	$265,300 Land $45,000 Building $220,300
2022	$3,105.00

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 Policies	1 in force

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

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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