8906 N Elm St, Spokane, WA 99208 Property Records

Spokane County property record for 8906 N Elm St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,886 sqft · built 2014
Lot Size	0.138 acres (6,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jul 2020)
Tax Bill	$4,444 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26241.4102`

Property Details

APN / Parcel Number

Primary APN	`26241.4102`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,886 sqft Living Area
Gross Area	2,446 sqft
1st Floor Area	1,186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,005 sqft (0.138 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8906 N ELM ST
City	SPOKANE
State	WA
Zip	99208-6450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	24-26-42; CHELTENHAM ADDITION PHASE 1 LT2 BLK2 (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	2
Legal Lot Number	2
Jurisdiction	SPOKANE WA
Township / Civil Division	SPOKANE
Census Block Group	3
Census Block	3002
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	8906 N ELM ST, SPOKANE, WA 99208-6450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit GESA CU
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage GESA CU
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPOKANE TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	May 7, 2014 · Amount on Record
Deed Document Number	20206942108
Prior Transfer Date	Sep 28, 2009
Prior Transfer Doc	0005840728
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8906 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Oct 6, 2022
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007237907
Date	Sep 8, 2022
Instrument	7237907

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8906 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Jun 15, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007085235
Date	Jun 8, 2021
Instrument	7085235

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 14, 2020
Property Address	8906 N ELM ST, SPOKANE, WA 99208-6450
Document Number	0006942108
Map Reference	VOL 35 PG 73&74
Instrument Date	Jul 7, 2020
Instrument	6942108
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,525.00
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	8906 N ELM ST, SPOKANE, WA 99208-6450

Mortgage

Document Number	0006942109
Date	Jul 14, 2020
Instrument	6942109

Lender

Name	GESA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

Mortgage

Document Number	0006942110
Date	Jul 14, 2020
Instrument	6942110

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8906 N ELM ST, SPOKANE, WA 99208-6450
Document Number	0006840207
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8906 N ELM ST SPOKANE WA 992086450, SPOKANE, WA 99208-6450

Mortgage

Document Number	0006840207
Date	Sep 9, 2019
Instrument	6840207

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	LIBERTY LAKE, WA 99019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

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	$4,444.00 (+3.95%)	$428,600 (+3.9%) Land $125,000 Building $303,600	$428,600 (+3.9%) Land $125,000 Building $303,600
2025	$4,275.00 (+15.54%)
2024		$412,500 (+24.96%) Land $92,000 Building $320,500	$412,500 (+24.96%) Land $92,000 Building $320,500
2023	$3,700.00 (+4.25%)	$330,100 Land $50,000 Building $280,100	$330,100 Land $50,000 Building $280,100
2022	$3,549.00

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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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