720 Osprey Dr, Cheney, WA 99004 Property Records

Spokane County property record for 720 Osprey Dr, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,160 sqft · built 2017
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,853 (Aug 2017)
Tax Bill	$4,780 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13013.2808`

Property Details

APN / Parcel Number

Primary APN	`13013.2808`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	834 sqft
2nd Floor Area	1,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	104 sqft
Patio Area	300 sqft
Canopy	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	720 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 8 BLK 4 (AFN#6552298)
Legal Subdivision	HARVEST BLUFF PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	8
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3047
Census Tract	14100

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	PO BOX 435, CHENEY, WA 99004-0435
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit NUMERICA CREDIT UNION
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit NUMERICA CU
Aug 30, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WASHINGTON TRUST BANK
Apr 19, 2017	Warranty Deed, Construction Loan HAYDEN HOMES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	20176635747
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Aug 3, 2026
Property Address	720 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0007506023
Instrument Date	Jul 29, 2026
Instrument	20267506023
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 OSPREY DR, CHENEY, WA 99004-5222

Mortgage

Document Number	0007506023,
Date	Aug 3, 2026
Instrument	20267506023

Lender

Name	NUMERICA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 25, 2051

Interest

Rate	6.43%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	720 OSPREY DR, CHENEY, WA 99004-5222
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 OSPREY DR, CHENEY, WA 99004-5222

Mortgage

Document Number	0007313985
Date	Oct 18, 2023
Instrument	7313985

Lender

Name	NUMERICA CU
Type	Credit Union
Address	VERADALE, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	720 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006880482
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	720 OSPREY DR CHENEY WA 990045222, CHENEY, WA 99004-5222

Mortgage

Document Number	0006880482
Date	Jan 8, 2020
Instrument	6880482

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE VALLEY, WA 99037

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 7, 2045

Interest

Rate Type	Adjustable Rate

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 30, 2017
Property Address	720 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006635747
Map Reference	VOL38 PG100
Instrument Date	Jul 28, 2017
Instrument	6635747
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 8, 2022
Title Company	INLAND PROFESSIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,576.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 435, CHENEY, WA 99004-0435

Mortgage

Document Number	0006635748
Date	Aug 30, 2017
Instrument	6635748

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

April 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 19, 2017
Property Address	720 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006596401
Map Reference	VOL38 PG100
Instrument Date	Apr 11, 2017
Instrument	6596401
Transaction Type	Construction Loan
Record Updated	Sep 8, 2022
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$930.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

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	0006596402
Date	Apr 19, 2017
Instrument	6596402

Lender

Name	HAYDEN HOMES LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,780.00 (-2.11%)	$429,300 (-4.62%) Land $100,000 Building $329,300	$429,300 (-4.62%) Land $100,000 Building $329,300
2025	$4,883.00 (+29.59%)
2024		$450,100 (+30.96%) Land $80,000 Building $370,100	$450,100 (+30.96%) Land $80,000 Building $370,100
2023	$3,768.00 (-1%)	$343,700 Land $58,000 Building $285,700	$343,700 Land $58,000 Building $285,700
2022	$3,806.00

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 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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