2012 N Ruby St, Spokane, WA, 99207
About This Home
Price Reduced! Extensively updated home on North Ruby! This 4+br, 1.5ba home has GC-70 zoning (commercial) allowing for a variety of uses, making it perfect for a home/office/retail site with high visibility, a rental, single family home, short term room rental (traveling nurses, college students, etc), and more! New white shaker kitchen with appliances, updated baths, new flooring and paint, and more. The main floor has 1br, an office (no closet), large foyer, living/dining and kitchen. Upstairs has 3 large bedrooms and 1 bath. Bsmt has family room, exercise/storage room, a nice half bath, and laundry. It could be a private suite by adding a shower. Small fenced yard and deck, too. Offered fully furnished if desired! Walking/bike distance to Gonzaga and Great Northern University, and on a bus route. Lots of stores and restaurants close by. Cannot be financed FHA or VA because of the zoning. DOT says average daily traffic count is 23,000+ vehicles per day. Very unique property with lots of possible uses!
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1906
Materials
- Roof: Composition
- Construction materials: Brick Veneer,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Free-Standing Range,Dishwasher,Refrigerator,Microwave
- Laundry features: In Basement
Basement
- Level: Basement
Basement
- Has basement: Yes
- Basement: Partial,Finished,Rec/Family Area
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
Features
- Natural Woodwork,Hard Surface Counters
- Window features: Wood Frames
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
First Floor
- Level: First
- Area: 984
Heating
- Heating features: Natural Gas,Forced Air
Interior Area
- Total structure area: 2,324
- Total interior livable area: 2,324 sqft
Other
- Level: Second
- Area: 550
Property
Details
- Parcel number: 35083.3007
Features
- Levels: One and One Half
- Stories: 2
- Fencing: Fenced Yard,Fenced
Lot
- Lot size: 2,700 sqft
- Features: Level,Near Public Transit
Parking
- Parking features: Off Site,None
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
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Spokane County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,466 | $17,592 |
| Home Insurance * | $107 | $1,284 |
| Property Taxes | $220 | $2,640 |
| Electricity | $158 | $1,907 |
| Total | $1,951 | $23,412 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-30 | Price change | $309,950 |
| 2026-04-09 | Listed for sale | $324,900 |
| 2026-03-11 | Listing removed | -- |
| 2026-01-01 | Price change | $324,900 |
| 2025-12-18 | Price change | $340,000 |
| 2025-12-07 | Listed for sale | $360,000 |
| 2020-12-30 | Sold | $150,000 |
| 2017-08-11 | Sold | $100,000 |
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