7012 N Elgin St, Spokane, WA 99208 Property Records

Spokane County property record for 7012 N Elgin St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,609 sqft · built 1971
Lot Size	0.305 acres (13,292 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,852 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26254.1702`

Property Details

APN / Parcel Number

Primary APN	`26254.1702`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,609 sqft Living Area
Gross Area	3,747 sqft
1st Floor Area	1,609 sqft
Basement Area	1,609 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,292 sqft (0.305 acres)
Lot Dimensions	133 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7012 N ELGIN ST
City	SPOKANE
State	WA
Zip	99208-4361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PRAIRIECREST ADD L2 B3
Legal Range	42E
Legal Township	26N
Legal Section	25
Legal Subdivision	PRAIRIECREST ADD
Legal Block	3
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1000
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	7012 N ELGIN ST, SPOKANE, WA 99208-4361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit WASHINGTON TRUST BANK
Sep 10, 2020	Deed of Trust, Mortgage · Line of Credit WASHINGTON TRUST BANK
Mar 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage WASHIGTON TRUST BANK
Oct 31, 2017	Warranty Deed, Construction Loan · Construction Mortgage OTTO LEONARD H & E L TR (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 30, 2006
Transfer Doc	0005365173
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	7012 N ELGIN ST, SPOKANE, WA 99208-4361
Transaction Type	Mortgage
Record Updated	Nov 21, 2023
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7012 N ELGIN ST, SPOKANE, WA 99208-4361

Mortgage

Document Number	0007202413
Date	Apr 28, 2022
Instrument	7202413

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	7012 N ELGIN ST, SPOKANE, WA 99208-4361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006966134
Date	Sep 10, 2020
Instrument	6966134

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99210

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	7012 N ELGIN ST, SPOKANE, WA 99208-4361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006787496
Date	Mar 12, 2019
Instrument	6787496

Lender

Name	WASHIGTON TRUST BANK
Address	SPOKANE, WA 99210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

October 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 31, 2017
Property Address	7012 N ELGIN ST, SPOKANE, WA 99208-4361
Document Number	0006655527
Instrument Date	Oct 26, 2017
Instrument	6655527
Transaction Type	Construction Loan
Record Updated	Nov 8, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,853.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9306 N OAK ST SPOKANE WA 992085089, SPOKANE, WA 99208-5089

Mortgage

Document Number	6655528
Date	Oct 31, 2017
Instrument	6655528

Lender

Name	OTTO LEONARD H & E L TR (PT)
Address	50 29TH ST NW E # 221, WENATCHEE, WA 98802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 30, 2018

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	$3,852.00 (-0.49%)	$366,000 (-1.27%) Land $100,000 Building $266,000	$366,000 (-1.27%) Land $100,000 Building $266,000
2025	$3,871.00 (+6.76%)
2024		$370,700 (+36.59%) Land $75,000 Building $295,700	$370,700 (+36.59%) Land $75,000 Building $295,700
2023	$3,626.00 (+14.17%)	$271,400 Land $45,000 Building $226,400	$271,400 Land $45,000 Building $226,400
2022	$3,176.00

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	Low lower than 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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