9718 E Ruff Ln, Chattaroy, WA 99003 Property Records

Spokane County property record for 9718 E Ruff Ln, Chattaroy, WA 99003

Property Summary

Property Type	Mobile Home
Details	3 bd · 2.5 ba · 1,608 sqft · built 1995
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$267,500 (Aug 2019)
Tax Bill	$3,341 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48053.9045`

Property Details

APN / Parcel Number

Primary APN	`48053.9045`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft
Deck Area	78 sqft
Patio Area	337 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9718 E RUFF LN
City	CHATTAROY
State	WA
Zip	99003-9726
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RT
Legal Description	05-28-44 NE1/4 OF SE1/4 OF SW1/4
Legal Range	44
Legal Township	28
Legal Section	05
Legal Lot Number	15
Jurisdiction	SPOKANE WA
Township / Civil Division	COLBERT
Census Block Group	2
Census Block	2018
Census Tract	10201

Owner

Source: Spokane County records · APN 48053.9045

Assessment roll updated June 17, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	9718 E RUFF LN, CHATTAROY, WA 99003-9726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 03, 2018	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Apr 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 29, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage WASHINGTON STATE HOUSING FIN COMMIS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2019 · Amount on Record
Deed Sale	Aug 29, 2019 · Amount on Record
Prior Sale	May 16, 2013 · Amount on Record
Deed Document Number	20196837024
Last Transfer Date	Apr 09, 2021
Transfer Doc	0007062289
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOKANE WA
Property Address	9718 E RUFF LN, CHATTAROY, WA 99003-9726
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006749111
Date	Oct 03, 2018
Instrument	6749111

Lender

Name	BANNER BANK
Type	Bank
Address	SPOKANE, WA 99218

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPOKANE WA
Recording Date	Apr 16, 2021
Property Address	9718 E RUFF LN, CHATTAROY, WA 99003-9726
Document Number	0007062289
Map Reference	MB 32 PG 59
Instrument Date	Apr 09, 2021
Instrument	7062289
Transaction Type	Transfer
Record Updated	Nov 01, 2023
Title Company	SIESTA TITLE AND ESCROW LLC, VISTA TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007062290
Date	Apr 16, 2021
Instrument	7062290

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOKANE WA
Recording Date	Aug 29, 2019
Property Address	9718 E RUFF LN, CHATTAROY, WA 99003-9726
Document Number	0006837024
Instrument Date	Aug 28, 2019
Instrument	6837024
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,766.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9718 E RUFF LN, CHATTAROY, WA 99003-9726

Mortgage

Document Number	0006837026
Date	Aug 29, 2019
Instrument	6837026

Lender

Name	WASHINGTON STATE HOUSING FIN COMMIS
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Mortgage

Document Number	0006837025
Date	Aug 29, 2019
Instrument	6837025

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Spokane County records · Assessment roll updated June 17, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,341.00 (-0.57%)	$409,900 (+10.66%) Land $122,000 Building $287,900	$409,900 (+10.66%) Land $122,000 Building $287,900
2025	$3,360.00 (+16.02%)
2024		$370,400 (+27.2%) Land $107,200 Building $263,200	$370,400 (+27.2%) Land $107,200 Building $263,200
2023	$2,896.00 (+6.12%)	$291,200 Land $84,400 Building $206,800	$291,200 Land $84,400 Building $206,800
2022	$2,729.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 64% of Washington
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Concept Communications Fixed Wireless	100 / 20
Lumen Technologies DSL	60 / 5
Wired or Wireless Fixed Wireless · not low latency	30 / 10
Northwest Fiber Fixed Wireless	25 / 5

Based on FCC filings for 12 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Ruff Ln

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