705 Osprey Dr, Cheney, WA 99004 Property Records

Spokane County property record for 705 Osprey Dr, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,034 sqft · built 2017
Lot Size	0.157 acres (6,816 sqft)
Owner	2 Individual Names on File
Last Sale	$267,706 (Oct 2017)
Tax Bill	$4,852 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13013.2501`

Property Details

APN / Parcel Number

Primary APN	`13013.2501`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,034 sqft Living Area
Gross Area	2,534 sqft
1st Floor Area	2,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,816 sqft (0.157 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	96 sqft
Patio Area	96 sqft
Canopy	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	705 OSPREY DR
City	CHENEY
State	WA
Zip	99004-5222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	HARVEST BLUFF PHASE 3 LT 1 BLK 1 (AFN#6552298)
Legal Subdivision	HARVEST BLUFF PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3046
Census Tract	14100

Owner

705 Osprey Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	705 OSPREY DR, CHENEY, WA 99004-5222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU
Oct 27, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI SPOKANE TEACHERS CU
Jun 29, 2017	Warranty Deed, Construction Loan · Construction Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	Jun 29, 2017 · Amount on File
Deed Document Number	20176654168
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	705 OSPREY DR, CHENEY, WA 99004-5222
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007051548
Date	Mar 24, 2021
Instrument	7051548

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SPOKANE WA
Recording Date	Oct 27, 2017
Property Address	705 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006654168
Instrument Date	Oct 3, 2017
Instrument	6654168
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2017
Title Company	INLAND PROF TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	705 OSPREY DR CHENEY WA 99004, CHENEY, WA 99004

Mortgage

Document Number	6654169
Date	Oct 27, 2017
Instrument	6654169

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jun 29, 2017
Property Address	705 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006616968
Map Reference	VOL38 PG100
Instrument Date	Jun 27, 2017
Instrument	6616968
Transaction Type	Construction Loan
Record Updated	Sep 8, 2022
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$5,987.67
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2464 SW GLACIER PL STE 110, 110, REDMOND, OR 97756-7731
Investor	Possibly a Property Investor

Mortgage

Document Number	0006616969
Date	Jun 29, 2017
Instrument	6616969

Lender

Name	UMPQUA BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 705 Osprey Dr was $4,852, down 1.5% from the year before.

Source: Spokane County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Cheney City
Unified School District	Cheney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,852.00 (-1.54%)	$456,800 Land $100,000 Building $356,800	$456,800 Land $100,000 Building $356,800
2025	$4,928.00
2024		$457,800 (+28.96%) Land $80,000 Building $377,800	$457,800 (+28.96%) Land $80,000 Building $377,800
2023	$3,832.00 (-2.49%)	$355,000 Land $58,000 Building $297,000	$355,000 Land $58,000 Building $297,000
2022	$3,930.00

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

Flood

FEMA maps place 705 Osprey Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 705 Osprey Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Washington
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
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	1 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Wired or Wireless Fixed Wireless	200 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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