8702 N Elm St, Spokane, WA 99208 Property Records

Spokane County property record for 8702 N Elm St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 2009
Lot Size	0.138 acres (6,009 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Aug 2018)
Tax Bill	$3,812 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26241.4001`

Property Details

APN / Parcel Number

Primary APN	`26241.4001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Gross Area	1,684 sqft
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,009 sqft (0.138 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	102 sqft
Canopy	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8702 N ELM ST
City	SPOKANE
State	WA
Zip	99208-6432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	24-26-42; CHELTENHAM ADDITION PHASE 1 LT1 BLK1 (AFN 5788989) BK35 PGS73-74.
Legal Range	42
Legal Township	26
Legal Section	24
Legal Subdivision	CHELTENHAM ADDITION PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3011
Census Tract	10701

Owner

8702 N Elm St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	8702 N ELM ST, SPOKANE, WA 99208-6432
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
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEFINITY
Aug 6, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Prior Sale	Sep 27, 2013 · Amount on File
Deed Document Number	20186731687
Prior Transfer Date	Feb 22, 2011
Prior Transfer Doc	0005986605
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8702 N ELM ST, SPOKANE, WA 99208-6432
Document Number	0007025905
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8702 N ELM ST SPOKANE WA 992086432, SPOKANE, WA 99208-6432

Mortgage

Document Number	0007025905
Date	Jan 25, 2021
Instrument	7025905

Lender

Name	HOMEFINITY
Address	CARROLLTMT, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 6, 2018
Property Address	8702 N ELM ST, SPOKANE, WA 99208-6432
Document Number	0006731687
Map Reference	VOL35 PG73&74
Instrument Date	Aug 2, 2018
Instrument	6731687
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,099.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8702 N ELM ST, SPOKANE, WA 99208-6432

Mortgage

Document Number	0006731688
Date	Aug 6, 2018
Instrument	6731688

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 8702 N Elm St was $3,812, up 5.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Municipality	Spokane City
Unified School District	Mead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,812.00 (+5.71%)	$370,900 Land $125,000 Building $245,900	$370,900 Land $125,000 Building $245,900
2025	$3,606.00
2024		$364,500 (+31.73%) Land $92,000 Building $272,500	$364,500 (+31.73%) Land $92,000 Building $272,500
2023	$3,270.00 (+9.84%)	$276,700 Land $50,000 Building $226,700	$276,700 Land $50,000 Building $226,700
2022	$2,977.00

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

Flood

FEMA maps place 8702 N Elm 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 8702 N Elm St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.1% of Washington
Wildfire Likelihood	0.02% 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Wired or Wireless Fixed Wireless · not low latency	200 / 40
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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