724 Osprey Dr, Cheney, WA 99004 Property Records

Spokane County property record for 724 Osprey Dr, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,246 sqft · built 2017
Lot Size	0.148 acres (6,439 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Apr 2019)
Tax Bill	$4,862 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13013.2807`

Property Details

APN / Parcel Number

Primary APN	`13013.2807`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	2,646 sqft
1st Floor Area	914 sqft
2nd Floor Area	1,332 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	6,439 sqft (0.148 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	104 sqft
Patio Area	104 sqft
Canopy	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	724 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 7 BLK 4 (AFN#6552298)
Legal Subdivision	HARVEST BLUFF PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	7
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	3
Census Block	3047
Census Tract	14100

Owner

724 Osprey Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	724 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
Dec 9, 2025	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHER CU
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 1, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 18, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FLAGSTAR BANK FSB
May 12, 2017	Warranty Deed, Construction Loan · Line of Credit UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	Sep 18, 2017 · Amount on File
Deed Document Number	20196793936
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	724 OSPREY DR, CHENEY, WA 99004-5222
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007458081
Date	Dec 9, 2025
Instrument	7458081

Lender

Name	SPOKANE TEACHER CU
Type	Credit Union
Address	99010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	724 OSPREY DR, CHENEY, WA 99004-5222
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007056491
Date	Apr 5, 2021
Instrument	7056491

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Apr 1, 2019
Property Address	724 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006793936
Map Reference	VOL 38 PG 100
Instrument Date	Mar 21, 2019
Instrument	6793936
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	VISTA TITLE &ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,879.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 OSPREY DR, CHENEY, WA 99004-5222

Mortgage

Document Number	0006793937
Date	Apr 1, 2019
Instrument	6793937

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

September 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Sep 18, 2017
Property Address	724 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006640691
Map Reference	VOL38 PG100
Instrument Date	Sep 1, 2017
Instrument	6640691
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 8, 2022
Title Company	INLAND PROFESSIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,846.32
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 OSPREY DR, CHENEY, WA 99004-5222

Mortgage

Document Number	0006640692
Date	Sep 18, 2017
Instrument	6640692

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

May 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 12, 2017
Property Address	724 OSPREY DR, CHENEY, WA 99004-5222
Document Number	0006602849
Map Reference	VOL38 PG100
Instrument Date	May 1, 2017
Instrument	6602849
Transaction Type	Construction Loan
Record Updated	Sep 8, 2022
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,856.20
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	0006602850
Date	May 12, 2017
Instrument	6602850

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 724 Osprey Dr was $4,862, down 1.9% 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	$4,862.00 (-1.9%)	$436,700 Land $100,000 Building $336,700	$436,700 Land $100,000 Building $336,700
2025	$4,956.00 Disabled Person's exemption Senior Citizen's exemption
2024		$457,000 (+31.4%) Land $80,000 Building $377,000	$457,000 (+31.4%) Land $80,000 Building $377,000
2023	$976.00 (-29.28%) Disabled Person's exemption Senior Citizen's exemption	$347,800 Land $58,000 Building $289,800	$347,800 Land $58,000 Building $289,800
2022	$1,380.00 Disabled Person's exemption Senior Citizen's exemption

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

Flood

FEMA maps place 724 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 724 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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