649 S Ray St, Spokane, WA 99202 Property Records

Spokane County property record for 649 S Ray St, Spokane, WA 99202

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,140 sqft · built 1908
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Jul 2021)
Tax Bill	$2,620 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`35223.0406`

Property Details

APN / Parcel Number

Primary APN	`35223.0406`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	420 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 2020
Architectural Style	Bungalow
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Patio Area	432 sqft
Canopy	432 sqft
Pole Barn	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	649 S RAY ST
City	SPOKANE
State	WA
Zip	99202-5195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTF
Legal Description	OLSONS SUBD OF BLK 1, EAST ALTAMONT: LOTS 21 & 22
Legal Subdivision	OLSONS SUB
Legal Block	1
Legal Lot Number	21,22
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1030
Census Tract	3000

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	Individual Name on Record
Mailing Address	649 S RAY ST, SPOKANE, WA 99202-5195
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Warranty Deed, Transfer · FHA Mortgage PREMIER MORTGAGE RESOURCES LLC
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage NUMERICA CU
Jan 24, 2019	Deed of Trust, Mortgage · Line of Credit NUMERICA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Jun 27, 2016 · Amount on Record
Deed Document Number	20217107379
Prior Transfer Date	Feb 4, 2010
Prior Transfer Doc	0005874347
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 29, 2021
Property Address	649 S RAY ST, SPOKANE, WA 99202-5195
Document Number	0007107379
Map Reference	VOL F PG 10
Instrument Date	Jul 28, 2021
Instrument	7107379
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	VISTA TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
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	649 S RAY ST, SPOKANE, WA 99202-5195

Mortgage

Document Number	0007107380
Date	Jul 29, 2021
Instrument	7107380

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0007107381
Date	Jul 29, 2021
Instrument	7107381

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	649 S RAY ST, SPOKANE, WA 99202-5195
Document Number	0006908862
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006908862
Date	Apr 8, 2020
Instrument	6908862

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 7, 2045

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	649 S RAY ST, SPOKANE, WA 99202-5195
Document Number	0006778801
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 S RAY ST SPOKANE WA 992025195, SPOKANE, WA 99202-5195

Mortgage

Document Number	0006778801
Date	Jan 30, 2019
Instrument	6778801

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 29, 2044

Interest

Rate Type	Adjustable Rate

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	$2,620.00 (+7.25%)	$255,300 (-4.77%) Land $75,000 Building $180,300	$255,300 (-4.77%) Land $75,000 Building $180,300
2025	$2,443.00 (-6.93%)
2024		$268,100 (+54.97%) Land $55,000 Building $213,100	$268,100 (+54.97%) Land $55,000 Building $213,100
2023	$2,625.00 (+29.37%)	$173,000 Land $59,400 Building $113,600	$173,000 Land $59,400 Building $113,600
2022	$2,029.00

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

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

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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