8703 N Elm St, Spokane, WA 99208 Property Records

Spokane County property record for 8703 N Elm St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,436 sqft · built 2009
Lot Size	0.138 acres (6,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,757 (Apr 2010)
Tax Bill	$4,134 (2026)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26241.4201`

Property Details

APN / Parcel Number

Primary APN	`26241.4201`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
Gross Area	1,876 sqft
1st Floor Area	1,436 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	6,007 sqft (0.138 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	112 sqft
Canopy	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8703 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 BLK3 (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	3
Legal Lot Number	1
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3010
Census Tract	10701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8703 N ELM ST, SPOKANE, WA 99208-6432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON ST EMP CU
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON ST EMP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2010 · Amount on Record
Deed Sale	Apr 15, 2010 · Amount on Record
Prior Sale	Feb 24, 2010 · Amount on Record
Deed Document Number	20105891933
Prior Transfer Date	Sep 28, 2009
Prior Transfer Doc	0005840728
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8703 N ELM ST, SPOKANE, WA 99208-6432
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8703 N ELM ST, SPOKANE, WA 99208-6432

Mortgage

Document Number	0007172045
Date	Jan 18, 2022
Instrument	7172045

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.25%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8703 N ELM ST, SPOKANE, WA 99208-6432
Document Number	0006915498
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	SPOKANE COUNTY TITLE COMPANY, SPOKANE COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8703 N ELM ST SPOKANE WA 992086432, SPOKANE, WA 99208-6432

Mortgage

Document Number	0006915498
Date	Apr 29, 2020
Instrument	6915498

Lender

Name	WASHINGTON ST EMP CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8703 N ELM ST, SPOKANE, WA 99208-6432
Document Number	0006571590
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8703 N ELM ST SPOKANE WA 992086432, SPOKANE, WA 99208-6432

Mortgage

Document Number	0006571590
Date	Jan 17, 2017
Instrument	6571590

Lender

Name	WASHINGTON ST EMP CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

Tax Assessment & Valuation

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	$4,134.00 (+5.16%)	$400,900 (-0.22%) Land $125,000 Building $275,900	$400,900 (-0.22%) Land $125,000 Building $275,900
2025	$3,931.00 (+9.07%)
2024		$401,800 (+29.61%) Land $92,000 Building $309,800	$401,800 (+29.61%) Land $92,000 Building $309,800
2023	$3,604.00 (+8.13%)	$310,000 Land $50,000 Building $260,000	$310,000 Land $50,000 Building $260,000
2022	$3,333.00

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

Flood

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

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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