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810 S University Rd, Spokane, WA, 99206

2beds
1baths
1,038sqft
$285,000
$275price/sqft
$1,921/moest. monthly cost
$76,840/yrincome needed

About This Home

Packed with charm, this 1938 South Valley 2-bedroom rancher offers character, convenience, and room to grow! Ideally located with easy access to shopping, services, and public transportation. The main-floor laundry/mudroom adds everyday convenience, while the partial basement provides excellent storage space. Situated on an oversized, fenced lot, there's plenty of room to build a shop, park your RV, or explore the potential for an Accessory Dwelling Unit (ADU) (buyer to verify with local jurisdiction). Whether you're looking for additional living space, rental income potential, or a multi-generational living option, this spacious lot offers outstanding flexibility. A great opportunity for first-time buyers, downsizers, or investors looking for a property with charm and future potential!

Getting Around

50
WalkingCar-Dependent
43
TransitSome Transit
57
BikeBikeable

Schools

7/10
4/10
Bowdish Middle SchoolGrades 6-80.9 mi
7/10
University High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1938

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Dishwasher,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Window features: Vinyl Frames

First Floor

  • Level: First
  • Area: 870

Heating

  • Heating features: Natural Gas,Forced Air

Interior Area

  • Total structure area: 1,038
  • Total interior livable area: 1,038 sqft

Property

Details

  • Parcel number: 45204.0174

Features

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

Lot

  • Lot size: 10,505 sqft
  • Features: Level

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Attached garage spaces: 1
  • Covered 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 WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Ice Storm
Strong Wind
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 $1,441$17,292
Home Insurance *$79$948
Property Taxes $252$3,024
Electricity $149$1,793
Total$1,921$23,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,862/yr
40% on housing$57,630/yr
45% on housing$51,226/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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 99206$202
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99206$193
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
2026-08-13Price change$275,000
2026-07-21Listed for sale$285,000
2019-08-28Listing removed$950
2019-08-22Listed for rent$950
2015-05-26Sold$109,900
2015-05-07Pending sale$109,900
2015-01-30Listed for sale$109,900
2008-05-06Sold$97,500
2008-02-28Sold$75,969
2008-02-01Listed for sale$99,900
2005-07-07Sold$88,500
2003-09-17Sold$50,025
1999-11-09Sold$66,000

For Sale by Agent

AgentGreg Kelsey
BrokerageRealty Northwest

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