9220 E Ruff Ln, Chattaroy, WA 99003 Property Records

Spokane County property record for 9220 E Ruff Ln, Chattaroy, WA 99003

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,097 sqft · built 2000
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jun 2025)
Tax Bill	$4,051 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48053.9039`

Property Details

APN / Parcel Number

Primary APN	`48053.9039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,097 sqft Living Area
1st Floor Area	2,097 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2017
Architectural Style	Mobile Home
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft

Exterior Amenities

Deck Area	75 sqft
Patio Area	628 sqft
Canopy	75 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9220 E RUFF LN
City	CHATTAROY
State	WA
Zip	99003-8798
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RT
Legal Description	05-28-44 NW1/4 OF SW1/4 OF SW1/4
Legal Range	44
Legal Township	28
Legal Section	05
Legal Lot Number	3
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	2
Census Block	2018
Census Tract	10201

Owner

Source: Spokane County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
Dec 8, 2017	Quit Claim Deed, Transfer INLAND PROF TITLE LLC
Dec 8, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 19, 2017	Grant Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2025 · Amount on Record
Deed Sale	Jun 3, 2025 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	20257419966
Prior Transfer Date	Jul 22, 2016
Prior Transfer Doc	0006520262
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007238499
Date	Sep 12, 2022
Instrument	7238499

Lender

Name	SPOKANE TEACHERS CU
Type	Credit Union
Address	SPOKANE, WA 99210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 15, 2021
Property Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Document Number	0007161325
Instrument Date	Dec 14, 2021
Instrument	7161325
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,765.00
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	9220 E RUFF LN, CHATTAROY, WA 99003-8798

Mortgage

Document Number	0007161326
Date	Dec 15, 2021
Instrument	7161326

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 8, 2017
Property Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Document Number	0006665847
Instrument Date	Dec 7, 2017
Instrument	6665847
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	INLAND PROF TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	9220 E RUFF LN CHATTAROY WA 990038798, CHATTAROY, WA 99003-8798

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Dec 8, 2017
Property Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Document Number	0006665846
Map Reference	VOL32 PG59
Instrument Date	Dec 6, 2017
Instrument	6665846
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798

Mortgage

Document Number	0006665848
Date	Dec 8, 2017
Instrument	6665848

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOKANE WA
Recording Date	Jan 19, 2017
Property Address	9220 E RUFF LN, CHATTAROY, WA 99003-8798
Document Number	0006572282
Instrument Date	Jan 12, 2017
Instrument	6572282
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9220 E RUFF LN CHATTAROY WA 990038798, CHATTAROY, WA 99003-8798

Tax Assessment & Valuation

Source: Spokane County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Spokane County
Unified School District	Riverside School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,051.00 (+0.97%)	$447,700 (-2.18%) Land $122,000 Building $325,700	$447,700 (-2.18%) Land $122,000 Building $325,700
2025	$4,012.00 (+12.38%)
2024		$457,700 (+34.58%) Land $107,200 Building $350,500	$457,700 (+34.58%) Land $107,200 Building $350,500
2023	$3,570.00 (+12.19%)	$340,100 Land $84,400 Building $255,700	$340,100 Land $84,400 Building $255,700
2022	$3,182.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 47% of the US · lower than 63% of Washington
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless · not low latency	200 / 40
Wind Wireless Fixed Wireless	100 / 20
Ziply Fiber Fixed Wireless	25 / 5

May also be available: CenturyLink, KnightCom.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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