650 S Ray St, Spokane, WA 99202 Property Records

Spokane County property record for 650 S Ray St, Spokane, WA 99202

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,915 sqft · built 1923
Lot Size	0.148 acres (6,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2025)
Tax Bill	$3,839 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`35223.0504`

Property Details

APN / Parcel Number

Primary APN	`35223.0504`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,915 sqft Living Area
Gross Area	2,121 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	907 sqft
Unfinished Basement	101 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2018
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
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	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	105 sqft
Deck Area	260 sqft
Patio Area	90 sqft
Canopy	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 S RAY ST
City	SPOKANE
State	WA
Zip	99202-5194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTF
Legal Description	SUNSHINE ADD L4 B1
Legal Range	43E
Legal Township	25N
Legal Section	22
Legal Subdivision	SUNSHINE ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1037
Census Tract	3000

Owner

Source: Spokane County records, as of October 1, 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	650 S RAY ST, SPOKANE, WA 99202-5194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · VA Mortgage EXTREME LOANS LLC
Mar 3, 2023	Deed of Trust, Mortgage · FHA Mortgage UMPQUA BANK
Aug 17, 2021	Warranty Deed, Transfer · FHA Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Aug 17, 2021 · Amount on Record
Deed Document Number	20257411910
Prior Transfer Date	Apr 11, 2011
Prior Transfer Doc	0005996495
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	650 S RAY ST, SPOKANE, WA 99202-5194
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 S RAY ST, SPOKANE, WA 99202-5194

Mortgage

Document Number	0007465160
Date	Jan 20, 2026
Instrument	7465160

Lender

Name	EXTREME LOANS LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	650 S RAY ST, SPOKANE, WA 99202-5194
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 S RAY ST, SPOKANE, WA 99202-5194

Mortgage

Document Number	0007270751
Date	Mar 3, 2023
Instrument	7270751

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 17, 2021
Property Address	650 S RAY ST, SPOKANE, WA 99202-5194
Document Number	0007114871
Map Reference	VOL I PG 11
Instrument Date	Jul 30, 2021
Instrument	7114871
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	FIRST AMERICAN TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,325.00
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	650 S RAY ST, SPOKANE, WA 99202-5194

Mortgage

Document Number	0007114872
Date	Aug 17, 2021
Instrument	7114872

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

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	$3,839.00 (+14.26%)	$373,100 (-5.59%) Land $75,000 Building $298,100	$373,100 (-5.59%) Land $75,000 Building $298,100
2025	$3,360.00 (-13.07%)
2024		$395,200 (+38.36%) Land $55,000 Building $340,200	$395,200 (+38.36%) Land $55,000 Building $340,200
2023	$3,865.00 (+15.65%)	$285,640 Land $29,540 Building $256,100	$285,640 Land $29,540 Building $256,100
2022	$3,342.00

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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