8910 N Elm St, Spokane, WA 99208 Property Records

Spokane County property record for 8910 N Elm St, Spokane, WA 99208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 2013
Lot Size	0.138 acres (6,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,896 (Oct 2013)
Tax Bill	$3,918 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26241.4103`

Property Details

APN / Parcel Number

Primary APN	`26241.4103`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
Gross Area	2,108 sqft
1st Floor Area	1,078 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,004 sqft (0.138 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	8910 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 LT3 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	3
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	8910 N ELM ST, SPOKANE, WA 99208-6450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2013 · Amount on Record
Deed Sale	Oct 10, 2013 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Document Number	20136255220
Prior Transfer Date	Sep 28, 2009
Prior Transfer Doc	0005840728
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8910 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007178280
Date	Feb 7, 2022
Instrument	7178280

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8910 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006770902
Date	Dec 20, 2018
Instrument	6770902

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2044

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8910 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006826631
Date	Jul 29, 2019
Instrument	6826631

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2044

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	8910 N ELM ST, SPOKANE, WA 99208-6450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG INSURED

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007001639
Date	Nov 30, 2020
Instrument	7001639

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

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	$3,918.00 (+4.96%)	$376,900 (+4.78%) Land $125,000 Building $251,900	$376,900 (+4.78%) Land $125,000 Building $251,900
2025	$3,733.00 (+15.64%)
2024		$359,700 (+26.3%) Land $92,000 Building $267,700	$359,700 (+26.3%) Land $92,000 Building $267,700
2023	$3,228.00 (+5.39%)	$284,800 Land $50,000 Building $234,800	$284,800 Land $50,000 Building $234,800
2022	$3,063.00

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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