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4304 N Jefferson St, Spokane, WA, 99205

3beds
2baths
1,704sqft
$305,000
$179price/sqft
$2,031/moest. monthly cost
$81,240/yrincome needed

About This Home

NEW roof in 2018, NEW A/C + gas furnace in 2021! Cute as can be and a total score in the Garland District. This pale blue rancher sits on a corner lot with mature trees and great shade, offering charm from the curb all the way through. The main floor features 2 bedrooms and 1 bath, plus original hardwoods that add warmth and character. The kitchen was refreshed in 2021 with butcher block counters, new backsplash, and updated flooring that's simple, stylish, and functional. New appliances, washer and dryer. Downstairs, you’ll find an additional non-egress bedroom, a toilet with a dog-wash setup (and room to convert to a full bath), plus flexible space for a workout area, hobby zone, or whatever you’ve been wanting to create. Outside, enjoy a fully fenced yard with a pergola for relaxing or entertaining and a 2-car detached garage for added convenience. Garland hot spots like Rocket Bakery, Garland Brew Werks, The Milk Bottle, Little Noodle and Garland Theatre await!

Getting Around

74
WalkingVery Walkable
43
TransitSome Transit
51
BikeBikeable

Schools

2/10
Willard Elementary SchoolGrades PK-50.4 mi
4/10
Glover Middle SchoolGrades 6-80.9 mi
5/10
North Central High SchoolGrades 6-121.8 mi

Construction

Condition

  • Year built: 1941

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator,Washer,Dryer
  • Laundry features: In Basement

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Hard Surface Counters
  • Window features: Wood Frames
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

First Floor

  • Level: First
  • Area: 918

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,704
  • Total interior livable area: 1,704 sqft

Property

Details

  • Parcel number: 35062.5307

Features

  • Levels: One
  • Stories: 1
  • Fencing: Fenced Yard,Fenced
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 6,200 sqft
  • Features: Sprinkler - Automatic,Level,Corner Lot,Garden

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Attached garage spaces: 2
  • Covered spaces: 2

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

How This Home’s Risks Compare

Cold Wave

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 $1,542$18,504
Home Insurance *$97$1,164
Property Taxes $243$2,916
Electricity $149$1,793
Total$2,031$24,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,634/yr
40% on housing$60,930/yr
45% on housing$54,160/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 99205$144
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99205$191
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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Pending sale$305,000
2026-05-10Listed for sale$305,000
2012-05-25Sold$94,280

For Sale by Agent

AgentTraci Bemis
BrokerageeXp Realty, LLC

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