654 S Thor St, Spokane, WA 99202 Property Records

Spokane County property record for 654 S Thor St, Spokane, WA 99202

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,388 sqft · built 1953
Lot Size	0.141 acres (6,150 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Nov 2022)
Tax Bill	$2,544 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2022 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`35223.0306`

Property Details

APN / Parcel Number

Primary APN	`35223.0306`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
Gross Area	1,616 sqft
1st Floor Area	928 sqft
Basement Area	688 sqft
Finished Basement	460 sqft
Unfinished Basement	228 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Shingle
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,150 sqft (0.141 acres)
Lot Dimensions	123 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	210 sqft
Canopy	210 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	654 S THOR ST
City	SPOKANE
State	WA
Zip	99202-5196
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTF
Legal Description	ALTAMT E BANKSON SUB L6 B2
Legal Range	43E
Legal Township	25N
Legal Section	22
Legal Subdivision	ALTAMT E BANKSON SUB
Legal Block	2
Legal Lot Number	6
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1034
Census Tract	3000

Owner

654 S Thor St is owned and occupied by two individuals who bought it in November 2022.

Source: Spokane County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 S THOR ST, SPOKANE, WA 99202-5196
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 11, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 17, 2022	Deed of Trust, Mortgage RUTH MCCORMICK
Nov 28, 2022	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Nov 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage WILLIAM C BUFFINGTON
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLD CANYON INVS LLC
Jul 30, 2020	Warranty Deed, Transfer GRANT E & SHARON L CASHEN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Prior Sale	Jul 30, 2020 · Amount on File
Deed Document Number	20227255343
Prior Transfer Date	Feb 18, 2005
Prior Transfer Doc	0005184739
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007307113
Date	Sep 11, 2023
Instrument	7307113

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	STEVENS COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007253686
Date	Nov 17, 2022
Instrument	7253686

Lender

Name	RUTH MCCORMICK
Type	Private Party
Address	SPOKANE, WA 99208

Agreement

Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Nov 28, 2022
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Document Number	0007255343
Map Reference	VOL F PG 42
Instrument Date	Nov 21, 2022
Instrument	7255343
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	SIESTA TITLE AND ESCROW LLC, VISTA TITLE AND ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
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	654 S THOR ST, SPOKANE, WA 99202-5196

Mortgage

Document Number	0007255344
Date	Nov 28, 2022
Instrument	7255344

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	STEVENS COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007149514
Date	Nov 15, 2021
Instrument	7149514

Lender

Name	WILLIAM C BUFFINGTON
Type	Private Party
Address	502 LOON LAKE, LOON LAKE, WA 99148

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	SIESTA TITLE AND ESCROW LLC, VISTA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007096200
Date	Jul 2, 2021
Instrument	7096200

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Document Number	0006965177
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	221 E NORDIN AVE SPOKANE WA 992181422, SPOKANE, WA 99218-1422
Investor	Possibly a Property Investor

Mortgage

Document Number	0006965177
Date	Sep 8, 2020
Instrument	6965177

Lender

Name	GOLD CANYON INVS LLC
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 30, 2020
Property Address	654 S THOR ST, SPOKANE, WA 99202-5196
Document Number	0006949487
Instrument Date	Jul 29, 2020
Instrument	6949487
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,403.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2826 SPOKANE WA 992202826, SPOKANE, WA 99220-2826
Investor	Possibly a Property Investor

Mortgage

Document Number	6949488
Date	Jul 30, 2020
Instrument	6949488

Lender

Name	GRANT E & SHARON L CASHEN
Address	8906 N SIMPSON RD, NEWMAN LAKE, WA 99025-8477

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 654 S Thor St was $2,544, up 18.8% from the year before.

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	$2,544.00 (+18.82%)	$250,100 Land $75,000 Building $175,100	$250,100 Land $75,000 Building $175,100
2025	$2,141.00
2024		$268,400 (+70.88%) Land $55,000 Building $213,400	$268,400 (+70.88%) Land $55,000 Building $213,400
2023	$2,628.00 (+42.59%)	$157,070 Land $28,170 Building $128,900	$157,070 Land $28,170 Building $128,900
2022	$1,843.00

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

Flood

FEMA maps place 654 S Thor St in Zone X, an area of moderate flood risk.

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

The area around 654 S Thor St has no burnable land within ember reach, so its wildfire risk is not rated.

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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