8409 N Atlantic St, Spokane, WA 99208 Property Records

Spokane County property record for 8409 N Atlantic St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,901 sqft · built 1961
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on File
Last Sale	$293,000 (May 2019)
Tax Bill	$4,769 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36194.0133`

Property Details

APN / Parcel Number

Primary APN	`36194.0133`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	2,901 sqft Living Area
Gross Area	3,702 sqft
1st Floor Area	1,851 sqft
Basement Area	1,169 sqft
Finished Basement	1,050 sqft
Unfinished Basement	119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	4 Parking Spaces
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8409 N ATLANTIC ST
City	SPOKANE
State	WA
Zip	99208-5903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	COZZA 10TH L17 B3
Legal Subdivision	COZZA ADD 10
Legal Block	3
Legal Lot Number	17
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	1
Census Block	1025
Census Tract	10901

Owner

8409 N Atlantic St is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2820 W FRANCIS AVE, SPOKANE, WA 99205-7135
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
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
May 23, 2019	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on File
Deed Sale	May 23, 2019 · Amount on File
Prior Sale	Oct 20, 2006 · Amount on File
Deed Document Number	20196807486
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8409 N ATLANTIC ST, SPOKANE, WA 99208-5903
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8409 N ATLANTIC ST, SPOKANE, WA 99208-5903

Mortgage

Document Number	0007334796
Date	Feb 26, 2024
Instrument	7334796

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8409 N ATLANTIC ST, SPOKANE, WA 99208-5903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006915528
Date	Apr 29, 2020
Instrument	6915528

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	May 23, 2019
Property Address	8409 N ATLANTIC ST, SPOKANE, WA 99208-5903
Document Number	0006807486
Map Reference	VOL 6 PG 44
Instrument Date	May 9, 2019
Instrument	6807486
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	SPOKANE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,220.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 W FRANCIS AVE, SPOKANE, WA 99205-7135

Mortgage

Document Number	0006807487
Date	May 23, 2019
Instrument	6807487

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 8409 N Atlantic St was $4,769, down 6.9% 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	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,769.00 (-6.95%)	$483,600 Land $100,000 Building $383,600	$483,600 Land $100,000 Building $383,600
2025	$5,125.00
2024		$501,500 (+38.57%) Land $65,000 Building $436,500	$501,500 (+38.57%) Land $65,000 Building $436,500
2023	$4,662.00 (+12.31%)	$361,900 Land $60,000 Building $301,900	$361,900 Land $60,000 Building $301,900
2022	$4,151.00

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

Flood

FEMA maps place 8409 N Atlantic St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Claims	1 (2017)
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, Landslides, Mudslides

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 8409 N Atlantic St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 0.01% 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	WHITWORTH WATER DISTRICT 2 serves 26,883 people · EPA ID WA5396601
Water Source	Groundwater
Last State Inspection	Apr 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	2 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Wind Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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