923 4th St, Cheney, WA 99004 Property Records

Spokane County property record for 923 4th St, Cheney, WA 99004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,766 sqft · built 1918
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Jul 2024)
Tax Bill	$4,547 (2026)
Deeds & Mortgages	May 2021 Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13131.3103`

Property Details

APN / Parcel Number

Primary APN	`13131.3103`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,766 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,166 sqft
Upper Floors Area	1,166 sqft
Basement Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	4 Parking Spaces
Deck Area	340 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Street Address	923 4TH ST
City	CHENEY
State	WA
Zip	99004-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHENEY THE ADD TO TOWN OF NELY 1/2 L4;ALL L5 B31 INC 6F T VAC STP SLY OF&ADJ
Legal Range	41E
Legal Township	23N
Legal Section	13
Legal Subdivision	CHENEY THE ADD
Legal Block	4
Legal Lot Number	4,5
Jurisdiction	SPOKANE WA
Township / Civil Division	CHENEY-MEDICAL LAKE
Census Block Group	4
Census Block	4016
Census Tract	14001

Owner

Source: Spokane County records, as of September 16, 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	923 4TH ST, CHENEY, WA 99004-1728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jul 25, 2024	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 13, 2018	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	20247362714
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	923 4TH ST, CHENEY, WA 99004-1728
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007079038
Date	May 25, 2021
Instrument	7079038

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 25, 2024
Property Address	923 4TH ST, CHENEY, WA 99004-1728
Document Number	0007362714
Map Reference	VOL A PG 45
Instrument Date	Jul 22, 2024
Instrument	7362714
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	VESTAT TITLE AND ESCROW, VISTA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,645.00
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	923 4TH ST, CHENEY, WA 99004-1728

Mortgage

Document Number	0007362715
Date	Jul 25, 2024
Instrument	7362715

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOKANE WA
Recording Date	Jul 13, 2018
Property Address	923 4TH ST, CHENEY, WA 99004-1728
Document Number	0006724720
Instrument Date	Jul 11, 2018
Instrument	6724720
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,743.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	923 4TH ST CHENEY WA 990041728, CHENEY, WA 99004-1728

Mortgage

Document Number	6724721
Date	Jul 13, 2018
Instrument	6724721

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,547.00 (+35.61%)	$428,600 (+32.61%) Land $80,000 Building $348,600	$428,600 (+32.61%) Land $80,000 Building $348,600
2025	$3,353.00 (+23.77%)
2024		$323,200 (+42.63%) Land $75,000 Building $248,200	$323,200 (+42.63%) Land $75,000 Building $248,200
2023	$2,709.00 (+7.8%)	$226,600 Land $40,000 Building $186,600	$226,600 Land $40,000 Building $186,600
2022	$2,513.00

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 43% of the US · lower than 66% of Washington
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within 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 CHENEY serves 16,954 people · EPA ID WA5312400
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	1 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	1 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
DCI Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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