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12907 N Raptor Ln, Spokane, WA, 99208

5beds
3baths
2,850sqft
$554,900
$195price/sqft
$3,608/moest. monthly cost
$144,320/yrincome needed

About This Home

5BD/3BA Rancher | Finished Basement | Mead School District Live where the weekends write themselves. Tucked on a private lane, this 2019-built rancher offers 2,850 sq ft of easy, one-story living — 5 bedrooms, 3 full baths, and a finished basement ready for a home gym, movie nights, or hosting guests. The kitchen is made for real cooking and gathering, with quartz counters, a gas range, and room to spread out. Step outside to a covered back deck and fenced yard, perfect for slow mornings or evening unwinding. Mt. Spokane's ski runs, Green Bluff's orchards, and everyday shopping are all just a short drive away.. with the added ease of an attached 2-car garage, sprinkler system, and forced-air heating and cooling year-round. Located in the Mead School District. Schedule your showing before it's gone.

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
54
BikeBikeable

Schools

8/10
6/10
Northwood Middle SchoolGrades 6-80.1 mi
8/10
Mead Senior High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Composition
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Dishwasher,Refrigerator,Microwave,Washer,Dryer

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

First Floor

  • Level: First
  • Area: 1425

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Property

Details

  • Parcel number: 36043.1207

Features

  • Levels: One
  • Fencing: Fenced Yard

Lot

  • Lot size: 7,986 sqft
  • Features: Sprinkler - Automatic,Level

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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 WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
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 $2,805$33,660
Home Insurance *$151$1,812
Property Taxes $458$5,496
Electricity $194$2,339
Total$3,608$43,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,702/yr
40% on housing$108,240/yr
45% on housing$96,213/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

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 99208$193
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99208$194
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
2026-07-17Price change$554,900
2026-06-11Listed for sale$559,000
2022-07-12Sold$545,000
2022-06-13Pending sale$549,000
2022-06-08Price change$549,000
2022-06-02Price change$559,000
2022-05-24Price change$575,000
2022-05-18Listed for sale$595,000
2019-08-09Sold$340,000

For Sale by Agent

AgentLaura Fifield
BrokerageeXp Realty, LLC

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