827 S Cougar St, Spokane, WA 99224 Property Records

Spokane County property record for 827 S Cougar St, Spokane, WA 99224

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 2022
Lot Size	0.124 acres (5,394 sqft)
Owner	2 Individual Names on File
Last Sale	$389,990 (Dec 2022)
Tax Bill	$3,887 (2026)
Deeds & Mortgages	May 2022 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25203.3604`

Property Details

APN / Parcel Number

Primary APN	`25203.3604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,570 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	1,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,394 sqft (0.124 acres)
Garage Type	Attached
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Patio Area	169 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	827 S COUGAR ST
City	SPOKANE
State	WA
Zip	99224-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-25-42: PILLAR ROCK ESTATES 8TH ADDITION (AFN 7131939) LOT 4 BLOCK 2
Legal Subdivision	PILLAR ROCK ESTATES
Legal Block	2
Legal Lot Number	4
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	2
Census Block	2087
Census Tract	13700

Owner

827 S Cougar St is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
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
May 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage THIRD COAST BANK SSB
May 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage THIRD COAST BANK SSB
May 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage THIRD COAST BANK SSB
Dec 23, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PREMIER MORTGAGE RESOURCES LLC
Jun 22, 2022	Warranty Deed, Transfer ASHTON TITLE AND ESCROW COMPANY, WASHINGTON TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2022 · Amount on File
Deed Sale	Dec 23, 2022 · Amount on File
Prior Sale	Jun 22, 2022 · Amount on File
Deed Document Number	20227260385
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007210501
Date	May 25, 2022
Instrument	7210501

Lender

Name	THIRD COAST BANK SSB
Type	Bank
Address	HUMBLE, TX 77338

Agreement

Type	Commercial Mortgage

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007210500
Date	May 25, 2022
Instrument	7210500

Lender

Name	THIRD COAST BANK SSB
Type	Bank
Address	HUMBLE, TX 77338

Agreement

Type	Commercial Mortgage

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007210502
Date	May 25, 2022
Instrument	7210502

Lender

Name	THIRD COAST BANK SSB
Type	Bank
Address	HUMBLE, TX 77338

Agreement

Type	Commercial Mortgage

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 23, 2022
Property Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
Document Number	0007260385
Map Reference	VOL 43 PG 53&54
Instrument Date	Dec 21, 2022
Instrument	7260385
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2024
Title Company	WASHINGTON TITLE COMPANY, WASHINGTON T&E CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,244.84
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	827 S COUGAR ST, SPOKANE, WA 99224-1613

Mortgage

Document Number	0007260386
Date	Dec 23, 2022
Instrument	7260386

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jun 22, 2022
Property Address	827 S COUGAR ST, SPOKANE, WA 99224-1613
Document Number	0007217562
Map Reference	MB 43 PG 53&54
Instrument Date	Jun 16, 2022
Instrument	7217562
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ASHTON TITLE AND ESCROW COMPANY, WASHINGTON TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Tax	$3,875.82
Amount Accuracy	Calculated from Transfer Tax
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, REDMOND, OR 97756-7731

Tax Assessment & Valuation

The 2026 property tax bill for 827 S Cougar St was $3,887, down 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,887.00 (-1.67%)	$408,000 (+6.17%) Land $104,000 Building $304,000	$408,000 (+6.17%) Land $104,000 Building $304,000
2025	$3,953.00	$384,300 (+352.12%) Land $95,000 Building $289,300	$384,300 (+352.12%) Land $95,000 Building $289,300
2024		$85,000 Land $85,000	$85,000 Land $85,000
2023	$745.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 827 S Cougar St 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 827 S Cougar St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 61% of Washington
Wildfire Likelihood	0.1% 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 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Wind Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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