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4807 N Howard Street, Spokane, WA, 99205

3beds
2baths
1,452sqft
$349,991
$241price/sqft
$2,309/moest. monthly cost
$92,360/yrincome needed

About This Home

Some homes just feel like home the moment you walk up. This charming Shadle rancher in northwest Spokane is one of them. Sunlight pours in through windows on every side, washing each of the 3 bedrooms and 2 bathrooms in that warm, golden North Spokane glow. Step into the backyard and you will find something rare: your own fully fenced urban orchard. Peach tree, apple tree, grapes, blueberries, strawberries, raspberries, and more. Imagine summer mornings picking fruit, fall afternoons canning jam, quiet evenings under the open sky. For the hobbyist, maker, or weekend warrior, the massive 24x30 detached shop is a dream, complete with a loft that makes it feel much larger. Sellers have researched conversion with the City of Spokane and confirmed it is possible with proper permits, opening the door to a future ADU, studio, or income space. Off-street parking is plentiful for guests, boats, or RVs. Major updates are done, including a brand new roof in 2023, so you can move in and start living. Centrally located minutes from Shadle Park, Holy Family Hospital, top schools, shopping, and easy access to Division Street and Highway 2. Walkable to STA transit routes that connect you straight downtown. The fully finished 2 bedroom downstairs could be rented out while you stay in the primary on the main floor. Homes with this much character, land, and future upside do not stay on the market in North Spokane. Come see why this one feels like home.

Getting Around

64
WalkingSomewhat Walkable
45
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

3/10
4/10
Salk Middle SchoolGrades 6-81.7 mi
4/10
Shadle Park High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1929

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Products

Notable Dates

  • Major remodel year: 2010

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Washer(s),Water Heater: Tank,Water Heater Location: Basement

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room,Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove,Lower Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,90%+ High Efficiency,Forced Air,Electric
  • Cooling features: 90%+ High Efficiency

Interior Area

  • Total structure area: 1,452
  • Total interior livable area: 1,452 sqft

Property

Details

  • Parcel number: 36314.1705
  • Zoning: SFR
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Second Kitchen,Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Pantry,Security System,Walk-In Closet(s),Water Heater
  • Has view: Yes
  • View description: Territorial
  • Frontage length: Waterfront Ft: N/A
  • Topography of land: Level
  • Residential vegetation: Fruit Trees,Garden Space

Lot

  • Lot size: 6,351 sqft
  • Features: Curbs,Cable TV,Deck,Fenced-Fully,Patio
  • Lot size dimensions: 50' x 129'

Parking

  • Total spaces: 6
  • Parking features: Detached Garage,Off Street
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 4

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
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm

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 $1,769$21,228
Home Insurance *$112$1,344
Property Taxes $279$3,348
Electricity $149$1,793
Total$2,309$27,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,165/yr
40% on housing$69,270/yr
45% on housing$61,573/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

$241This 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)

Price History

DateEventPrice
2026-04-23Listed for sale$349,991
2024-05-22Sold$366,000
2024-03-18Pending sale$360,000
2024-03-14Price change$360,000
2024-03-03Pending sale$369,900
2024-02-29Listed for sale$369,900
2020-06-26Sold$215,000
2006-04-10Sold$127,867
2000-07-28Sold$87,500
2000-06-12Sold$68,000
1997-11-10Sold$89,500

For Sale by Agent

AgentPietro Lim
BrokerageeXp Realty

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