6812 N Howard St, Spokane, WA 99208 Property Records

Spokane County property record for 6812 N Howard St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,872 sqft · built 1955
Lot Size	0.176 acres (7,680 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2020)
Tax Bill	$3,302 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`36304.1018`

Property Details

APN / Parcel Number

Primary APN	`36304.1018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	936 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	7,680 sqft (0.176 acres)
Lot Dimensions	128 ft deep x 60 ft wide
Patio Area	140 sqft
Canopy	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6812 N HOWARD ST
City	SPOKANE
State	WA
Zip	99208-4064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	SPO TERRACE L35-36 B10
Legal Range	43E
Legal Township	26N
Legal Section	30
Legal Subdivision	SPO TERRACE
Legal Block	10
Legal Lot Number	35-36
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2009
Census Tract	11000

Owner

6812 N Howard St is owned and occupied by two individuals who acquired it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Nov 3, 2023	Intrafamily Transfer, Transfer
May 4, 2022	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 10, 2020	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NAT'L TITLE CO/ESTN WA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jul 23, 1998 · Amount on File
Deed Document Number	20206966520
Last Transfer Date	Oct 26, 2023
Transfer Doc	0007317210
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007317323
Date	Nov 6, 2023
Instrument	7317323

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Nov 3, 2023
Property Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Document Number	0007317210
Instrument Date	Oct 26, 2023
Instrument	7317210
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007204272
Date	May 4, 2022
Instrument	7204272

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 10, 2020
Property Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Document Number	0006966520
Map Reference	VOL I PG 42&43
Instrument Date	Sep 9, 2020
Instrument	6966520
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	WFG NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,005.00
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	6812 N HOWARD ST, SPOKANE, WA 99208-4064

Mortgage

Document Number	0006966521
Date	Sep 10, 2020
Instrument	6966521

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 10, 2020
Property Address	6812 N HOWARD ST, SPOKANE, WA 99208-4064
Document Number	0006966605
Instrument Date	Sep 9, 2020
Instrument	6966605
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NAT'L TITLE CO/ESTN WA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6812 N HOWARD ST SPOKANE WA 992084064, SPOKANE, WA 99208-4064

Tax Assessment & Valuation

The 2026 property tax bill for 6812 N Howard St was $3,302, up 2.6% 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	Spokane Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,302.00 (+2.61%)	$320,900 Land $80,000 Building $240,900	$320,900 Land $80,000 Building $240,900
2025	$3,218.00
2024		$300,400 (+25.95%) Land $60,000 Building $240,400	$300,400 (+25.95%) Land $60,000 Building $240,400
2023	$3,062.00 (+2.65%)	$238,500 Land $45,000 Building $193,500	$238,500 Land $45,000 Building $193,500
2022	$2,983.00

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

Flood

FEMA maps place 6812 N Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
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 6812 N Howard 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	SPO CO WATER DIST 3 SYS 3 serves 3,768 people · EPA ID WA5393353
Water Source	Groundwater
Last State Inspection	Nov 2023
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	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 488 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	1,000 / 75
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

Nearby Properties on N Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures