823 5th St, Cheney, WA 99004 Property Records

Spokane County property record for 823 5th St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 885 sqft · built 1938
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jul 2021)
Tax Bill	$2,339 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13131.4104`

Property Details

APN / Parcel Number

Primary APN	`13131.4104`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	885 sqft Living Area
Gross Area	1,085 sqft
1st Floor Area	885 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	823 5TH ST
City	CHENEY
State	WA
Zip	99004-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	CHENEY TOWN OF L5 B41
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	CHENEY
Legal Block	41
Legal Lot Number	5
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	4
Census Block	4018
Census Tract	14001

Owner

823 5th St is owned and occupied by two individuals who bought it in July 2021.

Source: Spokane County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	823 5TH ST, CHENEY, WA 99004-1732
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
Sep 11, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE CENTER LLC
Jan 13, 2025	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 9, 2021	Warranty Deed, Transfer · VA Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Oct 1, 2008 · Amount on File
Deed Document Number	20217098542
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Recording Date	Sep 11, 2026
Property Address	823 5TH ST, CHENEY, WA 99004-1732
Document Number	0007514802
Instrument Date	Sep 1, 2026
Instrument	20267514802
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 5TH ST, CHENEY, WA 99004-1732

Mortgage

Document Number	0007514802,
Date	Sep 11, 2026
Instrument	20267514802

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	823 5TH ST, CHENEY, WA 99004-1732
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 5TH ST, CHENEY, WA 99004-1732

Mortgage

Document Number	0007393745
Date	Jan 13, 2025
Instrument	7393745

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 9, 2021
Property Address	823 5TH ST, CHENEY, WA 99004-1732
Document Number	0007098542
Map Reference	VOL A PG 44
Instrument Date	Jul 2, 2021
Instrument	7098542
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	SIESTA TITLE AND ESCROW LLC, VISTA TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,285.00
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	823 5TH ST, CHENEY, WA 99004-1732

Mortgage

Document Number	0007098543
Date	Jul 9, 2021
Instrument	7098543

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 823 5th St was $2,339, up 2.5% 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	$2,339.00 (+2.54%)	$192,100 (-9.22%) Land $60,000 Building $132,100	$192,100 (-9.22%) Land $60,000 Building $132,100
2025	$2,281.00 (+14.97%)	$211,600 (+4.96%) Land $75,000 Building $136,600	$211,600 (+4.96%) Land $75,000 Building $136,600
2024	$1,984.00 (+17.12%)	$201,600 (+54.36%) Land $75,000 Building $126,600	$201,600 (+54.36%) Land $75,000 Building $126,600
2023	$1,694.00 (+16.59%)	$130,600 Land $40,000 Building $90,600	$130,600 Land $40,000 Building $90,600
2022	$1,453.00

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

Flood

FEMA maps place 823 5th 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

Wildfire risk around 823 5th St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 66% of Washington
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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	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 239 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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