Home & Community Book - 6725 S West Terrace Street, Cheney, WA 99004

PROPERTY ADDRESS

6725SWESTTERRACEST CHENEY,WA99004

OWNER INFORMATTION

OWNERNAME: LaingTrust/Donald&BarbaraTr

VESTING: PersonalTrust

MAILINGADDRESS: 6725SWestTerraceCheneyWA99004

OWNER STATUS: Owneroccupied

LOCATTION DESCRIPTTION

COUNTY: Spokane CENSUS / BLOCK: 014100/2001 TSP - RNG - SEC: 24N-42E-07 LOT / BLOCK: 5/4

HOUSING TRACT: BigSkyPhaseIII

ALT PARCEL #: SCHOOL DISTRICT: Cheney MUNICIPALITY: Cheney PARCEL #: 24071.1705

LAST MARKET SALE PRIOR SALE DATE: 07/24/2006 DATE: 06/02/2006 SALE PRICE: $202,500 SALE PRICE: $180,450 DOCUMENT #: 5410442 DOCUMENT #: 5387993 DOC TYPE: Deed DOC TYPE: Deed SQUARE FOOT $: $95.79 LENDER:

LENDER: WASHINGTONMUTUAL BKFA LOAN: $180,450 LOAN: $202,500 LOAN TYPE: LOAN TYPE: Conventional LOAN TERM: 30Y

PROPERTY DETAILS

PROPERTY CHARACTERISTTICS

GROSS AREA: 2,114

LIVING AREA: ABOVE GRADE: BEDROOMS: 4 BATHROOMS (F/H): 2/0 FIREPLACE: 0 YEAR BUILT: 2006 PARKING TYPE: Attached UNITS: 1 BASEMENT: GARAGE AREA: 756 ROOF SHAPE: Gable FOUNDATION: Concrete ROOF MATERIAL: Compshmedium CONSTRUCTIONS:

HEAT TYPE: ForcedHotAir-Gas COOLING TYPE: EXTERIOR WALL: WoodFrame ROOMS: 8 QUALITY: INTERIOR WALL: PORCH TYPE: PATIO TYPE: AIR COND: Y FIXTURES: FLOOR: EQUIPMENT: STORIES: 1 POOL: CONDITION: Average

PROPERTY INFORMATTION

LAND USE: SingleUnit ZONING: LowDensityResidential COUNTY USE: LOT ACRES: 0.2377 STATE USE: LOT SQ FT: 10,353 LEN / WID:

TAXES AND ASSESSMENT INFORMATTION

ASSD YEAR: 2023 ASSD VALUE: $439,800

TAXABLE VAL: TAX YEAR: 2022 LAND VALUE: MKT VALUE: TAX AREA: 1880 IMP VALUE: EXEMPTIONS: PROPERTY TAX: $3,618.08 IMPROVED %: DISTRICT:

201832.251,878$263,955$138

201932.251,923$275,400$134 202032.251,825$313,754$144 202132.251,757$653,948$202 202232.251,763$1,094,669$214

DEMOGRAPHICS

PROPERTY ADDRESS

6725SWESTTERRACEST CHENEY,WA99004

FEMALE POPULATTION | 2,540 HOUSING INFO

70+ 60-69 50-59 40-49 30-39 20-29 10-29 0-9 Urban Rural

70+ 60-69 50-59 40-49 30-39 20-29 10-29 0-9

0%10%20%30%

MALE POPULATTION | 2,576

0%10%20%30%

2,453 2,663 Total Units Vacant Occupied

2,051 107

1,944

HOUSEHOLD INFO

Male Head of Household 5.91%

FemaleHeadof Household 10.60%

Married w/ Minors 34.59%

Married w/o Minors 48.90%

Male w/ Minors 3.13% Female w/ Minors 6.76%

ASSESSOR MAP

STREET

AERIAL MAP

CITY BOUNDARY MAP

SCHOOLS

Cheney School Disrict

ELEMENTARYSCHOOLS

NAME: PhilSnowdonElementary

CHARTER SCHOOL: No ADDRESS: 6323SHollyRd MAGNET SCHOOL: No CITY, STATE, ZIP: Cheney,WA99004

AREA DESCRIPTION: 41-Rural:Fringe PHONE: (509)559-4200 DISTANCE: 0.54mile(s) GRADES: Prekindergarten-5thGrade TITLE ONE: 1-Yes

NAME: WindsorElementary

CHARTER SCHOOL: No ADDRESS: 5504WHallettRd MAGNET SCHOOL: No CITY, STATE, ZIP: Spokane,WA99224 AREA DESCRIPTION: 21-Suburb:Large PHONE: (509)559-4200 DISTANCE: 2.54mile(s) GRADES: Prekindergarten-5thGrade TITLE ONE: 1-Yes

MIDDLESCHOOLS

NAME: WestwoodMiddleSchool

CHARTER SCHOOL: No ADDRESS: 6120SouthAbbottRoad MAGNET SCHOOL: No CITY, STATE, ZIP: Spokane,WA99224 AREA DESCRIPTION: 21-Suburb:Large PHONE: (509)559-4410 DISTANCE: 2.69mile(s) GRADES: 6thGrade-8thGrade TITLE ONE: 1-Yes

NAME: CheneyMiddleSchool

CHARTER SCHOOL: No ADDRESS: 740Betz MAGNET SCHOOL: No CITY, STATE, ZIP: Cheney,WA99004 AREA DESCRIPTION: 31-Town:Fringe PHONE: (509)559-4400 DISTANCE: 6.09mile(s) GRADES: 6thGrade-8thGrade TITLE ONE: 1-Yes

HIGHSCHOOLS

NAME: MedicalLakeHighSchool

CHARTER SCHOOL: No ADDRESS: 200E.BarkerSt. MAGNET SCHOOL: No CITY, STATE, ZIP: MedicalLake,WA99022 AREA DESCRIPTION: 31-Town:Fringe PHONE: (509)565-3200 DISTANCE: 6.48mile(s) GRADES: 9thGrade-12thGrade TITLE ONE: 2-No

NAME: CheneyHighSchool

CHARTER SCHOOL: No ADDRESS: 460NSixthSt MAGNET SCHOOL: No CITY, STATE, ZIP: Cheney,WA99004

AREA DESCRIPTION: 31-Town:Fringe PHONE: (509)559-4000 DISTANCE: 6.64mile(s) GRADES: 9thGrade-12thGrade TITLE ONE: 1-Yes

AGE DEMOGRAPHIC

19.6% under age 18

31.8% between ages 18 to 24

25.5% between ages 25 to 44

13.6% between ages 45 to 64

9.5% above age 65

POPULATION DENSITY

3,052.7 inhabitants per sq. mile

4,647 housing units at an average density of 1,063 per square mile

CITY QUICK FACTS

4.37 square miles

2,400 feet elevation

Highest Average Temperature 60.1

Lowest Average Temperature 35.6

SPOKANE COUNTY BASE MAP

LOCAL BUSINESSES

Car Dea e ler

NameAddressTelephoneDistance

Northwest Auto Liquidators 2306 S Hayford Rd, Airway Heights, WA 99001, USA (509) 838-9791 1.87 miles

Custom Auto Brokers 2329 S Hayden Rd, Airway Heights, WA 99001, USA (509) 244-0777 1.89 miles

Crosspointe Autoplex 10505 W Sunset Hwy, Spokane, WA 99224, USA (509) 244-9951 2.21 miles

CAL Cars 10828 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-2277 2.31 miles

Car Repair

NameAddressTelephoneDistance

Coyner's Auto Repair LLC 11011 W 21st Ave STE 4, Airway Heights, WA 99001, USA (509) 919-4582 1.97 miles

Inland Sales And Service 14024A US-2, Airway Heights, WA 99001, USA (509) 202-4025 2.83 miles

Lake City Automotive 810 E, WA-902, Medical Lake, WA 99022, USA (509) 565-7031 3.77 miles

Silver Star Automotive 1227 W 3rd Ave, Spokane, WA 99201, USA (509) 835-5334 4.23 miles

Car Wash

NameAddressTelephoneDistance

K&G Car Washes 9706 W Masters Ln, Cheney, WA 99004, USA 0.64 miles

Sunset Coach Works 3025 S Geiger Blvd, Spokane, WA 99224, USA (509) 534-5880 1.96 miles

Mister Car Wash 9009 W US HWY 2, Spokane, WA 99224, USA 2.20 miles

Hayford Touchless Car Wash 1305 S Hayford Rd, Spokane, WA 99224, USA 2.27 miles

LOCAL BUSINESSES

Gas Station

NameAddressTelephoneDistance

Petro Stopping Center 10506 W Aero Rd, Spokane, WA 99224, USA (509) 842-1100 0.49 miles

Mobil 11115 WA-902, Spokane, WA 99224, USA (509) 624-2222 0.72 miles

76 4110 S Fosseen Rd, Spokane, WA 99224, USA (509) 455-3400 1.56 miles

PetroCard Pacific Pride 7109 W Will D Alton Dr, Spokane, WA 99224, USA (800) 950-3835 1.57 miles

Bank

NameAddressTelephoneDistance

CoBank Regional Banking Center (Spokane, WA) 2001 Flint Rd #102, Spokane, WA 99224, USA (800) 542-8072 1.97 miles

Washington Trust Bank 10609 US-2, Spokane, WA 99224, USA (509) 244-7089 2.22 miles

First Interstate Bank 11917 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-4840 2.35 miles

Banner Bank 5 Cheney Spokane Rd, Cheney, WA 99004, USA (509) 892-4400 4.04 miles

Beauty Sa o lon

NameAddressTelephoneDistance

Sue's Hair Center/ Sue’s Barber Shop 13220 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-2770 2.65 miles

Elite Salon 4241 Cheney Spokane Rd, Spokane, WA 99224, USA (509) 443-5918 3.46 miles

Mod Hair and Body 1507 W 5th Ave, Spokane, WA 99204, USA (509) 624-1995 4.08 miles

Wispies Beauty Salon 112 N Jefferson St, Medical Lake, WA 99022, USA (509) 299-3444 4.11 miles

LOCAL BUSINESSES

E e lectrician

NameAddressTelephoneDistance

South Paw Electric 3028 W Cleveland Ave, Spokane, WA 99205, USA (509) 993-5671 4.74 miles

Mountain States Electrical 1220 E 1st Ave, Spokane, WA 99202, USA (509) 532-0110 5.23 miles

InlandNorthwestElectric 407NMadeliaSt#100,Spokane,WA99202,USA (509)928-4347 5.47miles

Merit Electric 815 N Helena St, Spokane, WA 99202, USA (509) 535-3930 5.53 miles

Insurance Agency

NameAddressTelephoneDistance

NFP 10408 US-2 #1, Spokane, WA 99224, USA (509) 891-1800 2.29 miles

PAC Insurance Group 12924 W Sunset Hwy #5, Airway Heights, WA 99001, USA (509) 244-6399 2.58 miles

Farmers Insurance - Cindy Gochnauer 13124 US-2, Airway Heights, WA 99001, USA (509) 244-2511 2.62 miles

Jeff Heuschkel: Allstate Insurance 1826 1st St, Cheney, WA 99004, USA (509) 235-2482 4.06 miles

Moving Company

NameAddressTelephoneDistance

Allied Van Lines 7704 W. Geiger Boulevard Wharhouse B, Spokane, WA 99224, USA (509) 202-4186 1.13 miles

Coleman Worldwide Moving 7704 W Geiger Blvd, Spokane, WA 99224, USA (877) 693-7060 1.14 miles

Happiest movers 1217 N Madison St, Spokane, WA 99201, USA (509) 710-4462 4.70 miles

Spokane Movers 201 E Sprague Ave, Spokane, WA 99202, USA (509) 455-8211 4.85 miles

LOCAL BUSINESSES

Painter

NameAddressTelephoneDistance

Vern & Me Painting 2013 W Shannon Ave, Spokane, WA 99205, USA (509) 879-3210 4.67 miles

All Star Paint Company 903 E Pacific Ave, Spokane, WA 99202, USA (509) 230-0161 5.07 miles

RIVERSIDEPAINTING 430ENoraAve,Spokane,WA99207,USA (509)599-8517 5.39miles

Garcia’s Painting Services 5524 N Driscoll Blvd #4, Spokane, WA 99205, USA (509) 251-5809 5.50 miles

P u lumber

NameAddressTelephoneDistance

Peck Plumbing & Heating 8009 S Spotted Rd, Cheney, WA 99004, USA (509) 456-2430 0.90 miles

Vietzke Drain & Rooter 1805 S Craig Rd, Airway Heights, WA 99001, USA (509) 279-0209 2.63 miles

Joshua Deschamp Services Plumbing 2405W 2ndAve,Spokane,WA99201,USA (509)990-0176 3.88miles

CougarRooter 3120 S Grand Blvd unit 8054, Spokane, WA 99203, USA (509)319-9078 4.36miles

Post Office

NameAddressTelephoneDistance

United States Postal Service 6801 W, Flightline Blvd, Spokane, WA 99224, USA (800) 275-8777 1.67 miles

Yoke's US Post Office 4235 Cheney Spokane Rd, Spokane, WA 99224, USA (509) 838-1198 3.49 miles

Postal Training Facility 2928 S Spotted Rd, Spokane, WA 99224, USA 4.36 miles

Paulsen Building Post Office 421 W Riverside Ave #103, Spokane, WA 99201, USA (509)456-8657 4.62miles

LOCAL BUSINESSES

Storage

NameAddressTelephoneDistance

Iron Mountain 8908 W Hallett Rd, Cheney, WA 99004, USA (509) 624-9967 0.25 miles

Terrace Heights Self Storage 5704 S Thomas Mallen Rd, Spokane, WA 99224, USA (509)484-6464 0.43miles

Amazing Storage Complex 8502W GeigerBlvd,Spokane,WA99224,USA (509)203-4063 0.77miles

Hayford Road Storage 10808 W 49th Ave, Spokane, WA 99224, USA (509) 244-8888 0.97 miles

Fire Station

NameAddressTelephoneDistance

Spokane International Airport Fire Department International Airport,Spokane,WA99224,USA (509)455-6455 1.22miles

Spokane Fire Department Station 6 1615SSpottedRd,Spokane,WA99224,USA (509)435-7106 2.21miles

Spokane County Fire District 10 929 S Gar field Rd, Airway Heights, WA 99001, USA (509)244-2425 2.56miles

Airway Heights Fire Department 9000, 1208, S Lundstrom St, Airway Heights, WA 99001, USA (509)244-3322 2.68miles

Po ic lice Station

NameAddressTelephoneDistance

Washington State Patrol 6403 W Rowand Rd, Spokane, WA 99224, USA (509) 227-6566 1.83 miles

Airway Heights Police Department 1307SZieglerSt,AirwayHeights,WA99001,USA (509)244-3707 2.68miles

Medical Lake Police Department 124SLefevreSt,Medical Lake,WA99022,USA (509)565-5003 4.10miles

Spokane Cops West 1901 W Boone Ave, Spokane, WA 99201, USA (509) 625-3340 4.44 miles

LOCAL BUSINESSES

Hospital

NameAddressTelephoneDistance

US Air Force Hospital 92nd Medical Group Fairchild AFB, WA 99011, USA (509) 247-2361 3.57 miles

Shriners Hospitals for Children — Spokane 911 W 5th Ave, Spokane, WA 99204, USA (509) 455-7844 4.28 miles

MultiCare Deaconess Hospital 800 W 5th Ave, Spokane, WA 99204, USA (509) 473-5800 4.35 miles

Eastern State Hospital 850 Maple St, Medical Lake, WA 99022, USA (509) 565-4000 4.39 miles

Pharmacy

NameAddressTelephoneDistance

Walmart Pharmacy 1221 S Hayford Rd, Spokane, WA 99224, USA (509) 459-0614 2.36 miles

Yoke's Fresh Market Pharmacy - Airway Heights

12825W SunsetHwy,AirwayHeights,WA99001, USA (509) 244-5822 2.53 miles

Michael Norwood, PharmD 5615 W Sunset Hwy, Spokane, WA 99224, USA (509) 241-7595 2.63 miles

Rosauers Pharmacy Spokane, WA 99201, USA (509) 624-0126 4.05 miles

Urgent Care

NameAddressTelephoneDistance

Providence ExpressCareAirway Heights 10258 W Sunset Hwy Suite 6, Spokane, WA 99224, USA (888) 227-3312 2.25 miles

MultiCare Rockwood Clinic - Cheney 19 N 7th St, Cheney, WA 99004, USA (509) 235-6151 4.34 miles

Jemmett Michael MD 800 W 5th Ave, Spokane, WA 99204, USA (509) 458-5800 4.36 miles

Spokane Emergency Physicians 101W 8thAve,Spokane,WA99204,USA (509)474-3344 4.52miles

LOCAL BUSINESSES

Veterinar y Care

NameAddressTelephoneDistance

West Plains Animal Hospital 11057 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 624-3474 2.22 miles

King's Veterinary Clinic 1521 S Mullen St, Airway Heights, WA 99001, USA (509) 244-5549 2.55 miles

Medical Lake Veterinary Hospital 7616 S Bartholomew Rd, Medical Lake, WA 99022, USA (509)299-3675 3.28miles

Latah Creek Animal Hospital 9691, 4241 Cheney Spokane Rd # E, Spokane, WA 99224, USA (509)462-7387 3.48miles

Campground

NameAddressTelephoneDistance

KM Resorts - Ponderosa Falls RV Resort 7520 S Thomas Mallen Rd, Cheney, WA 99004, USA (509) 747-9415 0.38 miles

Willow Creek Retreat 14806 W Thorpe Rd, Medical Lake, WA 99022, USA (509) 218-6519 1.00 miles

Ruby's On Silver Lake 17207 W Medical Lake 4 Lakes Rd, Medical Lake, WA 99022, USA (509) 299-7829 3.20 miles

Camp Comia 14906 S Antonian Rd, Cheney, WA 99004, USA (509) 235-2645 3.26 miles

Bowling A le lley

NameAddressTelephoneDistance

Cheney Lanes 1706 2nd St, Cheney, WA 99004, USA (509) 235-5263 4.11 miles

North Bowl 125 W Sinto Ave, Spokane, WA 99201, USA (509) 328-7090 5.07 miles LilacLanes&Casino 1112EMagnesiumRd,Spokane,WA99208,USA (509)467-5228 7.59miles

Valley Bowl Inc 8005 E Sprague Ave, Spokane Valley, WA 99212, USA (509) 926-6245 7.69 miles

LOCAL BUSINESSES

Gym

NameAddressTelephoneDistance

Anytime Fitness West Plains 10511 W Aero Rd, Spokane, WA 99224, USA (509) 624-2929 0.58 miles

SERE Gym 1025 W Survival Loop, Fairchild AFB, WA 99011, USA (509) 247-2991 3.12 miles

Base Fitness Center 300 W Castle St, Fairchild AFB, WA 99011, USA (509) 247-2792 3.66 miles

Snap Fitness Cheney 2726 1st St, Cheney, WA 99004, USA (509) 235-7627 3.72 miles

Librar y

NameAddressTelephoneDistance

AirwayHeightsLibrary 1213 S Lundstrom St, Airway Heights, WA 99001, USA (509)893-8250 2.67miles

Fairchild AFB Library 2 W Castle St, Fairchild AFB, WA 99011, USA (509) 247-5556 3.61 miles Medical LakeLibrary 321EHerbSt,Medical Lake,WA99022,USA (509)893-8330 4.00miles

JFK Library 100 Library, 320 Media Ln, Cheney, WA 99004, USA (509) 359-6263 4.49 miles

Movie Theater

NameAddressTelephoneDistance

VillageCentreCinemas

AirwayHeights 10117 US-2, Spokane, WA 99224, USA (509) 232-0444 2.17 miles

Movie and Dinner 10893W NorthernQuestDr,AirwayHeights,WA 99001,USA (509) 381-0893 2.87 miles

Northern Quest Casino NorthernQuestDr,AirwayHeights,WA99001, USA 2.88 miles

FairchildBaseTheater W CastleSt,FairchildAFB,WA99011,USA (509)247-1801 3.65miles

LOCAL BUSINESSES

Park

NameAddressTelephoneDistance

Eagle park 6920 S W Terrace Dr, Cheney, WA 99004, USA 0.03 miles

Sunset Park Lawson @ 8th, Airway Heights, WA 99001, USA 2.75 miles

Grandview Park 3203W 17thAve,Spokane,WA99224,USA (509)625-6200 3.18miles

Eagle Ridge Whispering PinesPark 5715 S Copper Ridge Blvd, Spokane, WA 99224, USA (509) 443-2222 3.44 miles

Baker y

NameAddressTelephoneDistance

Cinnabon 3709SGeigerBlvd,Spokane,WA99224,USA 1.65miles

Rocket Bakery 1301 W 14th Ave, Spokane, WA 99204, USA (509) 456-3534 3.94 miles

Sugar Mamas 1831 1st St, Cheney, WA 99004, USA (509) 235-0475 4.07 miles

Lefevre St Bakery & Cafe 123 S Lefevre St, Medical Lake, WA 99022, USA (509) 299-3843 4.08 miles

Bar

NameAddressTelephoneDistance

Spokane Tap Room 9000 W Airport Dr, Spokane, WA 99224, USA (509) 624-3400 1.39 miles

Remington'sRestaurant& Bar509Lounge 8909 W Airport Dr, Spokane, WA 99224, USA (509) 838-5211 1.60 miles

RustyMoose 9105W,US-2,Spokane,WA99224,USA (509)747-5579 2.19miles

The Village Tavern 13119 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-9106 2.60 miles

LOCAL BUSINESSES

Coffee

NameAddressTelephoneDistance

Boost Espresso 10427 W Aero Rd, Spokane, WA 99224, USA 0.48 miles

Starbucks 10506 W Aero Rd, Spokane, WA 99224, USA (509) 842-1100 0.49 miles

Starbucks 9000WestAirportDriveGEGConcourseC Lower, Gate C22, Spokane, WA 99224, USA (503) 279-9470 1.39 miles

HartlandCoffee 3519SGeigerBlvd,Spokane,WA99224,USA 1.77miles

Meal De iv liver y

NameAddressTelephoneDistance

Domino'sPizza 10507W AeroRdSTE2,Spokane,WA99224,USA (509)408-2000 0.52miles

Jimmy John's 10829 US-2 Ste. 1, Airway Heights, WA 99001, USA (509) 474-0796 2.24 miles

Pizza Hut 11820 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-9464 2.39 miles

Lean Kitchen - South Hill 802 E 29th Ave APT 3, Spokane, WA 99203, USA (509) 290-6195 4.43 miles

Restaurant

NameAddressTelephoneDistance

Iron Skillet 10506 W Aero Rd, Spokane, WA 99224, USA (509) 842-1100 0.49 miles

Remington's Restaurant & Bar509 Lounge 8909W AirportDr,Spokane,WA99224,USA (509)838-5211 1.60miles

Denny's 3711 S Geiger Blvd, Spokane, WA 99224, USA (509) 744-7060 1.69 miles

El ComalonMexican Restaurant 10414 US-2, Spokane, WA 99224, USA (509) 279-2210 2.34 miles

LOCAL BUSINESSES

Furniture Store

NameAddressTelephoneDistance

New Furniture & Mattresses Airway Heights, WA 99001, USA 2.70 miles

16 Cents, 3 Shoes & 5 Socks 13514 W Sunset Hwy Suite A & C, Airway Heights, WA 99001, USA (509) 315-8955 2.71 miles

Ashley furniture 101 W Spaatz Rd, Fairchild AFB, WA 99011, USA 3.75 miles

West Furnishings 302 W Viewmont Rd, Spokane, WA 99224, USA (509) 993-0748 3.78 miles

Liquor Store

NameAddressTelephoneDistance

Class Six 101 W Spaatz Rd, Fairchild AFB, WA 99011, USA (509) 244-2601 3.69 miles SafewayLiquor Cheney,WA99004,USA 3.74miles

Sunset Grocery 1908 W Sunset Blvd, Spokane, WA 99201, USA (509) 290-6183 3.99 miles

Medical Lake Liquor & Wine 211 WA-902, Medical Lake, WA 99022, USA (509) 299-3442 4.01 miles

Pet Store

NameAddressTelephoneDistance

Basin Feed and Supply 2222 1st St, Cheney, WA 99004, USA (509) 235-2558 3.94 miles

Cheney's Pet Paradise 1814 2nd St, Cheney, WA 99004, USA (509) 235-7387 4.07 miles

PrairieDogPetMercantile 1206 W Summit Pkwy c106, Spokane, WA 99201, USA (509)279-2399 4.47miles

Bird Oasis 18118 S Cherokee Ct, Cheney, WA 99004, USA (509) 235-9079 4.89 miles

LOCAL BUSINESSES

Groceries

NameAddressTelephoneDistance

Yoke's Fresh MarketAirway Heights 12825 W Sunset Hwy, Airway Heights, WA 99001, USA (509) 244-3633 2.53 miles

Yoke's Fresh MarketLatah 4235 Cheney Spokane Rd, Spokane, WA 99224, USA (509) 838-1198 3.51 miles

Yoke's Fresh MarketCheney 4 Cheney Spokane Rd, Cheney, WA 99004, USA (509) 235-6310 3.99 miles

Lakes Harvest Foods 215 WA-902, Medical Lake, WA 99022, USA (509) 299-3251 4.01 miles

Shoe Store

NameAddressTelephoneDistance

The Walk Shoppe 3707 S Grand Blvd, Spokane, WA 99203, USA (509) 747-2161 4.33 miles

The Check Point 1119 W 1st Ave Suite B, Spokane, WA 99201, USA 4.35 miles

FleetFeetSpokane 1315W SummitPkwy,Spokane,WA99201,USA (509)328-4786 4.44miles

Nike Factory Store 618 W Main Ave, Spokane, WA 99201, USA (509) 624-4524 4.59 miles

Shopping Mall

NameAddressTelephoneDistance

Cheney Plaza Cheney, WA 99004, USA 3.73 miles

Manito Shopping Center 810 E 29th Ave, Spokane, WA 99203, USA (509) 623-1000 4.47 miles

River Park Square 808 W Main Ave, Spokane, WA 99201, USA (509) 363-0304 4.55 miles

TheFlourMill 621W MallonAve,Spokane,WA99201,USA (509)838-6541 4.75miles

LOCAL BUSINESSES

Home Improvement

NameAddressTelephoneDistance

West Furnishings 302 W Viewmont Rd, Spokane, WA 99224, USA (509) 993-0748 3.78 miles

Kellcraft Design-BuildSupply 159 S Lincoln St Suite 221, Spokane, WA 99201, USA (509)993-0036 4.41miles

Davenport Home Store 10 S Post St h, Spokane, WA 99201, USA (509) 789-7222 4.46 miles

PotteryBarn 718W MainAveSte119,Spokane,WA99201,USA (509)455-6550 4.56miles

Jewe r lr y Store

NameAddressTelephoneDistance

Mary’sfunjewelry 13660W 6thAve,AirwayHeights,WA99001,USA (509)558-9770 3.05miles

Au Memento 1234 Online Store, Spokane, WA 99224, USA (509) 558-7845 3.50 miles

Trendebut, Inc. 170 S Lincoln St Ste 150, Spokane, WA 99201, USA (208) 273-5501 4.39 miles

MILLIANNA 905 W Riverside Ave STE 608, Spokane, WA 99201, USA (509)474-9077 4.46miles

Airpor t

NameAddressTelephoneDistance

Spokane International Airport 9000 W Airport Dr, Spokane, WA 99224, USA (509) 455-6455 1.33 miles

Homeport Airport Cheney, WA 99004, USA 3.61 miles

Fowlers NW 40 Airport12WA W SmytheRd,Spokane,WA99224,USA 4.51miles

Flying R Ranch AirportWA49 16517SDoverRd,Cheney,WA99004,USA 4.85miles

Train Station

NameAddressTelephoneDistance

Spokane, Washington 221 W 1st Ave, Spokane, WA 99201, USA (800) 872-7245 4.66 miles

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Emergency Police/Medical/Fire 911

Poison Control (800) 222-1222 www.aapcc.org

United States Postal Service (800) 275-8777 www.usps.com

X nity (800) 266-2278 www.x nity.com

Ziply Fiber (866) 699-4759 www.ziply ber.com

Verizon (800) 483-4100 www.verizon.com

AT&T (800) 288-2020 www.att.com

CHENEY UTILITIES

CenturyLink (866) 963-6665 www.centurylinkcom

Dish Network (800) 318-0572 www.dish.com

DIRECT TV (800) 531-5000 www.directtv.com

The Spokesman-Review (509) 747-4422 www.spokesman.com

Inlander (509) 325-0634 www.inlander.com

Spokane Journal of Business (509) 456-5257 www.spokanejournal.com

Spokane Transit (509) 328-7433 www.spokanetransit.com

Avista Electric and Gas (800) 227-9187 www.myavista.com

City of Spokane Water Provider (509) 625-7800 www.my.spokanecity.org/water

Spokane County Environmental Services (509) 477-3604 www.spokanecounty.org

City of Cheney Garbage (509) 498-9209 www.cityofcheney.org

Cheney School District (509) 559-4599 www.cheneysd.org

CHANGE OF ADDRESS

USPS

Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet. https://moversguide.usps.com

Benefits you will receive when you change your address online are:

Exclusive mover savings coupons

Safe and secure with identity verification by a simple $1.00 charge to your credit or debit card

Email confirmation at the end of registration of your change of address

* Must have valid email address and credit card to register online.

AUTO REGISTRATION AND DRIVER LICENSING

Below is the website if you would like to change your address online or you can visit your local department of licensing.

Department of Licensing Spokane County Motor Vehichle Licensing 1116 W Broadway Ave 1st Floor (509) 477-2222 dol.wa.gov

AIRWAY AUTO LICENSING 13101 W 14th Avenue (509) 244-1763

AUTO LICENSING PLUS 328 N Sullivan Road, Suite 7 (509) 927-4177

DEER PARK 222 W Crawford (509) 276-2177

DOWNTOWN 628 S Washington (509) 455-8320

MARKET STREET 4011 N Market Street (509) 290-5527

NORTH SPOKANE 10208 N Division, Suite 109 (509) 464-2294

SOUTH HILL 2727 S Mount Vernon, Suite 3B (509) 534-6022

SPOKANE VALLEY 9405 E Sprague Avenue (509) 928-7981

VOTERS REGISTRTION

TO REGISTER TO VOTE, YOU MUST BE:

A citizen of the USA

A Legal Resident of Washington State at least 18 years of age on or before the next election.

In the State of Washington, you do not have to register by political party or declare a political party membership to vote in the state’s regular primaries or general election.

HOW TO REGISTER

Washington citizens have access to several convenient methods of signing up to vote, including registration by mail and Motor Voter registration.

Mail-in registration forms are available from your county auditor or county elections department as well as other government offices, public libraries, and schools.

Motor Voter registration is offered when you renew or apply for your driver’s license. In most instances, it takes less than a minute.

REGISTRATION DEADLINE

You may register to vote at any time, but you must be registered at least 30 days before an election, if you want to vote on election day.

You may also register between 15 and 30 days before an election, but you must do so at a location designated by the county elections office, and you will be required to vote by absentee ballot.

CHANGE OF ADDRESS

If you move to a new county, you must complete a new voter registration, otherwise you must request a transfer of your registration.

Voter Information Hotline: (800) 448-4881 TTY (800) 422-8683

Spokane County Voter Registration: (590) 477-2320

MOVING CHECKLIST

UTILITIES

Electric

NW Natural Gas Water District

Sewer District Garbage Provider Cable/Satellite Fuel (Propane) Phone Services

Internet

FINANCIAL

Banks and Credit Unions

Credit Card Companies (including department store credit cards) Lenders (Mortgage, Home Equity, Auto, Student Loans) Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life) Retirement (Pension plans, 401K, Social Security, Veterans Affairs) Investments (Investment Agencies and Brokers) Online Bill Payer Paypal

GOVERNMENT

US Post Office Department of Motor Vehicles (Obtain your driver’s license and change vehicle registration)

IRS Passport Office Veteran Affairs Unemployment Office (If you are currently receiving unemployment benefits)

HEALTH

Physician Pharmacies

SERVICE

PROVIDER

Childcare Housecleaning Services Delivery Services Lawn Care Services Veterinarian Pool Service

MEMBERSHIPS

Health Clubs Membership Clubs (AAA or similar) Community Groups (PTA, Neighborhood Associations, Civic Clubs) Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs)

SUBSCRIPTIONS

Newspapers Magazine (USPS will only forward 2 months) Movie Subscriptions Book or Music Clubs

OTHER

Friends and Family Employers (typically notify the HR Department)

MOVING CHECKLIST

8 WEEK BEFORE YOU MOVE

Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved

Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

Packing Material: Gather moving boxes and packing material for your move.

Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

1 WEEK BEFORE YOU MOVE

Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.

Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.

Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.

Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.

Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..

Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

4 WEEK BEFORE YOU MOVE

4 BEFO

Start Packin location Obtain You dentist and an records or m

4Start Packing: Begin packing all things destined for your new location.

Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.

Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.

Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch fire during your move.

Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.

Borrowed and Rented Items: Return items that you may have borrowed or rented. Collect items borrowed to others.

MOVING DAY

DA

Plan Your the house Someone

Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.

Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.

Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.

Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property.

Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

THE HOME DEPOT

(800) 466-3337 www.homedepot.com

E Spokane (509) 534-8588 5617 E Sprague Ave Spokane, WA 99212

N Spokane (509) 466-8991 9116 N Newport Hwy Spokane, WA 99218

Liberty Lake (509) 891-0613 21701 E Country Vista Dr Liberty Lake, WA 99019

LOWES (800) 466-3337 www.lowes.com

N Spokane (509) 484-6620

6606 N Division St Spokane, WA 99208

Spokane Valley (509) 533-0066

5204 E Sprague Ave Spokane, WA 99212

E Spokane (509) 893-9960

16205 E Broadway Ave Spokane, WA 99037

MOVING RESOURCES

DONATION FACILITIES

Goodwill (800) 741-0186 locator.goodwill.org

The Salvation Army (800) 958-7825 www.salvationarmyusa.org

MOVING TRUCK RENTALS

Budget (800) 462-8343 www.budgettruck.com

Penske (888) 996-5415 www.pensketruckrental.com

Ryder (800) 297-9337 www.ryder.com

U-Haul (800) 468-4285 www.uhaul.com

STORAGE COMPANIES

NW Self Storage www.nwselfstorage

Secure-IT Self Storage (509) 315-4202 www.secure-itstorage.com

Pods (888) 309-8967 www.pods.com

TRANSFER STATIONS

Garbage/Recycling

Spokane County North (509) 477-6800 spokanecounty.org

Spokane County Valley (509) 477-6800 spokanecounty.org 3941 N Sullivan Road Spokane Valley, WA 99216

Waste Management-Graham Rd (866) 909-4458 wm.com 1820 S Graham Road Medical Lake, WA 99022

Waste Management-Spokane Valley (866) 909-4458 wm.com 11321 E Indiana Road Spokane, WA 99206

RESOURCE GUIDE

AIRPORT

Spokane International Airport (509) 455-6455 www.spokaneairports.net

AUTO & DRIVER REGISTRATION

DMV (360) 902-3900 www.dol.wa.gov

BUS SERVICE

Spokane Transit (509) 328-7433 www.spokanetransit.com

Greyhound (800) 231-2222 www.greyhound.com

Northwestern Stage Lines (509) 838-4029 www.northwesternstagelines.com

CABLE TV & INTERNET

Verizon (888) 881-8161 www.verizon.com

XFINITY (Comcast) (800) 934-6489 www.comcast.com

CITY CONTACT

Airway Heights (509) 244-5578 www.cawh.org

Cheney (509) 498-9200 www.cityofcheney.org

Deer Park (509) 276-8801 www.cityofdeerparkwa.com

CITY CONTACT CONTINUED

Liberty Lake (509) 755-6700 www.libertylakewa.gov

Medical Lake (509) 565-5000 www.medical-lake.org

Millwood (509) 924-0960 www.millwoodwa.us

Spangle (509) 245-3260 www.citydirectory.us/townspangle

Spokane (509) 755-2489 www.my.spokanecity.org

Spokane Valley (509) 720-5000 www.spokanevalley.org

Fairfield (509) 283-2414 www.fairfieldwa.com

Latah (509) 286-3471 www.latahwa.com

Rockford (509) 291-4716 www.rockfordwa.com

Waverly (509) 283-4122 www.citydirectory.us/townwaverly-washington

COUNTY CONTACT

Spokane (509) 477-2240 www.spokanecounty.org Taxation (509) 477-3698

ELECTRICITY

Inland Power (509) 747-7151 www.inlandpower.com

Modern Electric Water Company (509) 928-4540 www.modernelectricwater.com

Avista (800) 227-9187 www.myavista.com

HOSPITALS

MultiCare Deaconess Hospital (509) 473-5800 www.multicare.org

MultiCare Valley Hospital (509) 924-6650 www.multicare.org

Providence Holy Family Hospital (509) 482-0111 www.washington.providence.org

Providence Sacred Heart Medical Center & Children’s Hospital (509) 474-3131 www.washington.providence.org

Shriners Hospital for Children (509) 455-7844 www.shrinershospitalsforchildren.org

NATURAL GAS

Avista Utilities (800) 227-9187 www.myavista.com

RESOURCE GUIDE

NEWSPAPERS

Cheney Free Press (509) 235-6184 www.cheneyfreepress.com

Spokesman-Review (509) 459-5000 www.spokesman.com

The Tribune (509) 276-5043 www.dptribune.com

Valley News Herald (509) 924-2440

Liberty Lake Splash (509) 242-7752 www.libertylakesplash.com

Inlander (509) 325-0634 www.inlander.com

RECREATION

Fair & Expo Center (509) 477-1766 www.spokanecounty.org

Spokane Convention Center (509) 279-7000 www.spokanecenter.com

Mt. Spokane Ski & Snowboard (509) 238-2220 www.mtspokane.com

Mobius Discovery Center (509) 321-7121 www.mobiusdiscoverycenter.org

Eagles Ice Arena (509) 489-9295 www.eaglesicearena.com

Wonderland Family Fun Centre (509) 468-4386 www.wonderlandspokane.com

RECREATION CONTINUED

Pattisons North Skating Rink (509) 466-8133 www.pattisonsnorth.com

Splashdown Family Waterpark (509) 924-3079 www.splashdownwaterpark.net

Riverfront Park (509) 625-6600 www.my.spokanecity.org/ riverfrontspokane

Mica Moon Zip Tours (509) 587-4020 www.micamoon.com

The Blue Zoo (877) 425-8396 www.bluezoo.us

Spokane Civic Theatre (509) 325-2507 www.spokanecivictheatre.com

Spokane Valley Heritage Museum (509) 922-4570 www.spokanevalleymuseum.com

Spokane Arena (509) 279-7000 www.spokanarena.com

Indian Canyon Golf Course (509) 747-5353

The Creek at Qualchan Golf Club (509) 448-9317

Downriver Golf Course (509) 327-5269

Liberty Lake Golf Course (509) 255-6233

Latah Creek Golf Course (509) 448-1212

RECREATION CONTINUED

Nishinomiya Tsutakawa Japanese Garden (509) 363-5455

Cougar Crest Estate Winery (509) 241-3850 www.cougarcrestwinery.com

Cheney Historical Museum (509) 850-0314 www.cheneymuseum.org

Lilac Garden (509) 625-6624

Spokane Chiefs Hockey (509) 328-0450 www.spokanechiefs.com

Spokane County Raceway (509) 988-0106 www.spokanecountyraceway.com

Spokane Indians Baseball (509) 343-6886 www.milb.com/spokane

Spokane Symphony (509) 326-3136 www.spokanesymphony.org

Regal Cinemas (800) FANDANGO www.regalcinemas.com

Silverbow Guided Fly Fishing (509 924-9998 www.silverbowflyshop.com

Lake Roosevelt Fishing Charters (509) 464-9657 www.lakerooseveltcharters.com

Row Adventure Center (866) 836-9340 www.rowadventurecenter.com

RESOURCE GUIDE

SHOPPING

Spokane Valley Mall (509) 926-5575 www.spokanevalleymall.com

NorthTown Mall (509) 482-0209 www.northtownmall.com

River Park Square (509) 363-0304 www.riverparksquare.com

Northtown Square (509) 951-9720 www.northtownsquare.com

Silver Lake Mall (208) 762-2113 www.silverlake.center

TELEPHONE SERVICE

Verizon (800) 483-4100 www.verizon.com

AT&T (800) 288-2020 www.att.com

TRANSFER STATIONS

Spokane County North (509) 477-6800 www.spokanecounty.org

22123 N Elk Chattaroy Rd Colbert, WA 99005

Spokane County Valley (509) 477-6800 www.spokanecounty.org

3941 N Sullivan Rd Spokane Valley, WA 99216

Spokane Waste to Energy Facility (509) 625-6580

2900 S Geiger Blvd Spokane, WA 99208

VOTER REGISTRATION

Spokane County (509) 477-2320

COUNTY DEPARTMENTS

Sheriff (509) 477-2240

Fire (509) 625-7000

Humane Society (509) 467-5235

Assessor (509) 477-3698

Auditor (509) 477-2217

Building & Planning (509) 477-3675

District Court (509) 477-4770 Road Maintenance (509) 477-3600

Treasurer (509) 477-4713

Veteran Services (509) 477-3690

COLLEGES & UNIVERSITIES

Gonzaga University (800) 986-9585 www.gonzaga.edu

Whitworth University (509) 777-1000 www.whitworth.edu

Spokane Community College (509) 533-7000 www.scc.spokane.edu

WATER BUREAU

Airway Heights (509) 244-5429

Cheney (509) 498-9293

Deer Park (509) 276-8801

Liberty Lake (509) 922-5443

Medical Lake (509) 565-5000 Millwood (509) 926-4563 Spangle (509) 245-3260

Spokane (509) 625-7800

Spokane Valley (509) 625-7800

Fairfield (509) 283-2414

Latah (509) 286-3471

Rockford (509) 291-4716

Waverly (509) 625-7800

CYBER SECURITY

Because of you… we obsess over cyber security!

Cyber fraud and email hacking are on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds, and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:

Outgoing Wire from WFG to seller or borrower for proceeds

In the escrow paperwork provided you will be asked to provide written instructions on how you want funds due you sent to you at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to confirm the wire information provided.

Incoming Wires from the buyer and/or lender to WFG bank account

For funds that are to be wired to WFG for your transaction, we will send specific wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to confirm the wire instructions prior to remittance.

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.

http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

OWNERS TITLE INSURANCE Why it's important

Financially speaking, the decision to buy a home is one of the biggest decisions a person will likely ever make.

Owner’s title insurance ensures that, when the purchase is closed, the buyer is the owner of and has marketable title to the property, has access to the home, and there are no liens, claims or restrictions on the buyer’s property, other than the mortgage the buyer agrees to pay.

If the preliminary title search uncovers potential problems, a buyer can require that those problems are satisfactorily dealt with before closing on the home.

In addition, owner’s title insurance protects buyers against a myriad of risks that not even the most careful title search can uncover, including things such as forged documents, undisclosed or missing heirs of a previous owner, fraud, will dispute, and unrecorded claims of many types.

Without the owner’s title insurance, the legal costs to resolve such title claims could easily be in the tens of thousands of dollars and would have to be paid out of pocket by the buyer - not to mention the stress that such situations would cause to the buyer.

Owner’s title insurance is one of the most affordable insurance policies a person can ever buy. Unlike other forms of insurance, there is only a one-time fee at closing for the policy, which financially protects the buyer’s investment for as long as the buyer or the buyer’s heirs own the home.

So, if someone tells the buyer that the owner’s title insurance is “optional”, that certainly does not mean that the buyer should not get it. Virtually every lender requires a lender’s title insurance, but that insurance does not protect the buyer.

In order to safeguard the buyer’s investment in the property, which is possibly the most important investment the buyer will ever make, owner’s title insurance is absolutely critical.

WHAT IS ESCROW?

Understanding the Escrow Process

An escrow is an arrangement in which a neutral third party (the escrow agent) assembles and processes many of the components of a real estate transaction, records the transaction, and ultimately, disburses and distributes funds according to the buyers’, sellers’ and lenders’ instructions. Your transaction is typically closed by an Escrow Officer. People buying and selling real estate usually open an escrow for their protection and convenience. Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.

TYPICAL ROLES IN THE CLOSING PROCESS

The Seller/Agent

Delivers a fully executed Purchase Sale Agreement to the escrow agent. Executes the paperwork necessary to close the transaction.

The Buyer/Agent

Deposits collected funds required to close (in with the escrow agent. Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement.

Executes the paperwork and loan documents necessary to close the transaction.

The Lender

Deposits loan documents to be executed by the buyer

Deposits the loan proceeds.

Directs the escrow agent of the conditions under which the loan funds may be used

The Escrow Agent

Clears Title Obtains title insurance Obtains payoffs and release documents for underlying loans on the property Receives funds from the buyer and/or lender. Prepares vesting document affidavit on seller’s behalf.

Prorates insurance, taxes, rents, etc. Prepares a final statement (often referred to as the “HUD Statement” or ”Settlement Statement”) for each party, indicating amounts paid in conjunction with the closing of your transaction. Forwards deed to the county for recording. Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties.

In Summary

Escrow is the process that assembles and processes many of the components of a real estate transaction. The sale is officially closed when the new deed is recorded and funds are available to the seller, thus transferring ownership from the seller to the buyer. The escrow agent is a neutral third party acting

WHAT IS TITLE?

About Title Insurance

Title is a bundle of rights in real property. Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction, the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner's Policy).

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser of the purchase price.

How is title insurance different from other types of insurance?

While the function of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy

or their existence is excepted from coverage. Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.

What’s involved in a title search? A title search is actually made up of three separate searches:

Chain of Title – History of the ownership of the subject property

Tax Search – The tax search reveals the status of the taxes and assessments Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ names

Once the three searches have been completed, the file is reviewed by an examiner who determines:

Whether or not the Chain of Title shows that the party selling the property has the right to do so. The status of taxes for the subject property. The Tax Search will also indicate the existence of any special assessments against the land and whether or not these assessments are current or past due.

Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover defects in title that are of public record, thus allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

In Summary

After the searches have been examined, thetitlecompanywillissueacommitment, stating the conditions under which it will insure title. The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

.

WHO PAYS WHAT IN WASHINGTON

SELLER PAYS

BUYER PAYS

Real estate commission

Owner’s title insurance premium

Escrow fee, one half (1)

Real estate excise tax (1.78%2 based on sales price)

Loan costs required under the FHA/VA provisions of the contract (4) Payoff of all loans in Seller’s name (or existing loan balance if being assumed by Buyer)

Statement fees, reconveyance fees (including associated recording charges), and any loan prepayment penalties

Work orders, such as termite inspection or home repairs (1)

Home warranty (1) Encumbrances (such as judgements and tax liens) against the seller

Tax pro-ration (for any unpaid taxes up to the time of transfer of title)

Delinquent taxes

Unpaid homeowner’s dues Assessments or bonds (1) Notary fees (if applicable) Courier fees (if applicable)

1 Subject to Purchase and Sale

Lender’s title insurance premium (if applicable)

Escrow fee, one half (1) Recording charges for all documents in the buyer’s name Inspection Fees (1) Tax pro-ration (for any taxes from time of transfer of title to end of the tax payment period)

All new loan charges (except for those required by lender for seller to pay)

Hazard insurance premium for first year Interest on a new loan from date o funding to 30 days prior to first payment Document preparation (if applicable)

Home warranty1 Notary fees (if applicable) Courier fees (if applicable)

This flyer is not intended to be an all-inclusive list of fees and charges on every transaction, but rather a guide to the major costs of buying or selling real property. WFG would be happy to review and explain your closing cost prior to finalizing the transactions.

2 State Excise Tax is 1.28% plus 0.50% for County Tax (May vary by county, consult with your Escrow Officer)

3 Financing Addendum to PSA - $300 maximum for any fees that lender can charge to Buyer

4 Up to $300 FHA/USDA/VA loans and buyer’s share of the escrow fee for a VA loan

PARTIES DIVISION

TITLE VESTING Common ways to hold title to real property

JOINT TENANCY TENANCY IN COMMON COMMUNITY PROPERTY PARTNERSHIP

Any number of persons Any number of persons

Ownership interests must be equal

TITLE PURCHASER CONVEYANCE

There is only one title to the whole property

Ownership can be divided into any number of interests, equal or unequal

Each co-owner has a separate title to his or her undivided interest

Married persons and domestic partners

Husband and wife’s or domestic partner’s interest must be equal

Related or unrelated parties

Ownership interest is in relation to interest in the partnership

There is only one title to the whole property

Purchaser will become a tenant in common with the other owners of the property

All owners must agree on use and disposition of property

DEATH

Property passes to survivors without going through probate

Purchaser will become a tenant in common with the other owners of the property

Individual co-owners do not need the consent of the other to use or dispose

Individual's interest passes to designated heirs through probate

SUCCESSOR'S STATUS

Last survivor owns property

Devisees or heirs become tenants in common

Purchaser cannot acquire one owner’s interest and hold as community property

Husband and wife or domestic partners must agree to use and disposition of property

On spouse’s/ domestic partner’s death, surviving spouse/ domestic partner

Surviving spouse or domestic partner owns property

Each co-owner’s interest is owned in partnership for partnership purposes

Purchaser can only acquire the whole title unless he or she becomes a partner

Partnership sets parameters for use and disposition of the property

Partnership interest passes to designated heirs who would become partners

Devisees or heirs have no rights in specific partnership property

WFG OFFICE LOCATIONS

CENTRAL / CATALDO

25 West Cataldo Ave., Ste. B Spokane, WA 99201 509-532-9009

MULLAN

200 N Mullan Rd., Ste. 124 Spokane, WA 99206 5099-928-9801

CONTENTS

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

Exhibit “A”

LOT 5, BLOCK 4, BIG SKY PHASE 3, AS PER PLAT RECORDED IN VOLUME 31 OF PLATS, PAGES 86 TO 89; SITUATE IN THE COUNTY OF SPOKANE, STATE OF WASHINGTON.

The real property described above is commonly known as: 6725 S West Terrace Street Cheney, WA 99004

Buyer Initials Date

Initials Date .

Cheney, WA 99004

REPORT FOR 12/6/2022

Single-Family Homes

Presented by WFG National Title Company reports@wfgnationaltitle.com

This week the median list price for Cheney, WA 99004 is $439,747 with the market action index hovering around 36. This is less than last month's market action index of 37. Inventory has decreased to 56.

Market Action Index

This answers “How’s the Market?” by comparing rate of sales versus inventory.

Buyer's

Slight Seller's Advantage

The market has been cooling over time and prices have recently flattened. Despite the consistent decrease in Market Action Index (MAI), we’re in a Seller’s Market (where significant demand leaves little inventory available). If the MAI begins to climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

Real-Time Market Profile

Median List Price$439,747 Median Price of New Listings $0

Per Square Foot$246 Average Days on Market 99

Median Days on Market 63

Price Decreased57% Price Increased5% Relisted21% Inventory56 Median Rent$2,198 Market Action 36

Slight Seller's Advantage

Median List Price

We continue to see prices in this zip code bouncing around this plateau. Look for a persistent upshift in the Market Action Index before we see prices move from these levels. 7-Day Average 90-Day Average

Segments

In the quartile market segments, we see prices in this zip code have settled at a price plateau across the board. Prices in all four quartiles are basically mixed. Look for a persistent shift (up or down) in the Market Action Index before prices move from these current levels.

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels.

7-Day Average 90-Day Average

Inventory Inventory has been relatively steady around these levels in recent weeks.

7-Day Average

Average

Market Action Index

The market has been cooling over time and prices have recently flattened. Despite the consistent decrease in Market Action Index (MAI), we’re in a Seller’s Market (where significant demand leaves little inventory available). If the MAI begins to climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices. 7-Day

Market Action Segments

Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the highend) will weaken before the rest of the market and signal a slowdown for the whole group.

Median Days on Market (DOM)

The properties have been on the market for an average of 78 days. Half of the listings have come newly on the market in the past 48 or so days. Watch the 90-day DOM trend for signals of a changing market.

7-Day Average 90-Day Average

Segments

It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles. Top

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