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32604 N Elk Chattaroy Rd, Chattaroy, WA, 99003

2beds
2baths
1,660sqft
$325,000
$196price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

Welcome to this charming, versatile property on 10 scenic acres in Chattaroy with a mostly finished 2-bed, 2-bath home. Originally a shop/barn, it’s been thoughtfully converted into a cozy rural retreat with amazing views & peaceful surroundings. Features include a bright country kitchen with a movable small island, all appliances, plus a washer/dryer. Vaulted ceilings & natural light accent the two bedrooms - one with a large walk-in closet & the second bedroom with adjoining flex space (office or gym). An additional room off the kitchen can serve as a third bedroom, dining, or den. Updates include vinyl windows, electrical improvements, and a new hot water heater. The unfinished rear portion offers a shop area with high trusses and potential for an expanded living or a stunning primary suite with floor-to-ceiling windows. The serene landscape includes pasture, mature and fruit trees, fencing, and a small barn—ideal for hobby farming or just rural tranquility only 20 minutes to Spokane amenities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
6/10
Riverside Middle SchoolGrades 6-84.6 mi
7/10
Riverside High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1986

Materials

  • Roof: Metal
  • Construction materials: Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Range,Refrigerator,Washer,Dryer

Basement

  • Basement: Crawl Space,Slab,None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Cooling

  • Cooling features: Window Unit(s)

Features

  • Cathedral Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove
  • Fireplace: Yes

First Floor

  • Level: First
  • Area: 1660

Interior Area

  • Total structure area: 1,660
  • Total interior livable area: 1,660 sqft

Property

Details

  • Parcel number: 48043.9061

Features

  • Levels: One and One Half
  • Fencing: Fenced,Fenced Yard
  • Has view: Yes
  • View description: Territorial
  • Horses can be raised: Yes

Lot

  • Lot size: 1 Acres
  • Features: Views,Level,Open Lot,Surveyed,Horses Allowed

Parking

  • Total spaces: 1
  • Parking features: Attached,Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Spokane County and Washington

Fire
Flood
Mud Landslide
Other
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,643$19,716
Home Insurance *$81$972
Property Taxes $29$348
Electricity $149$1,793
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.2%
4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 99003$233
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99003$200
Spokane County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-06Listed for sale$349,000
2008-12-16Sold$125,000

For Sale by Agent

AgentSeth Maefsky
BrokerageKeller Williams Realty Coeur d

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