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317 Apple Tree Ct, Cheney, WA, 99004

5beds
3baths
3,195sqft
$604,990
$189price/sqft
$3,869/moest. monthly cost
$154,760/yrincome needed

About This Home

This quarter-acre homesite is available to personalize your dream home! A great option to consider is our Waterbrook floorplan. Talk to the Community Manager TODAY to reserve one of our LAST 2 homesites to build a Waterbrook home or another floor plan! On the main floor, the living and dining rooms are more than generous. The spacious open kitchen, which features a breakfast bar, adjoining nook, sizable pantry and mudroom (with an optional bench), looks out to the expansive family room. There is an additional den space downstairs that has the option to be converted into a full bedroom and bathroom. Upstairs, a massive main suite enjoys a deluxe ensuite with a soaking tub, separate shower, private water closet, and huge closet. Across a spacious open loft, three additional sizable bedrooms with walk-in closets share a full bath with a dual vanity. This home has all the space you and your family need, and more! *Stock Photos - a personalized Waterbrook could be completed as early as October 2026!

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
73
BikeVery Bikeable

Schools

6/10
Betz Elementary SchoolGrades PK-50.5 mi
4/10
Cheney Middle SchoolGrades 6-80.4 mi
6/10
Cheney High SchoolGrades 9-120.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Other

  • Builder name: Hayden Homes, Inc.

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Dishwasher,Disposal,Microwave

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

Features

  • Hard Surface Counters

First Floor

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,195
  • Total interior livable area: 3,195 sqft

Other

  • Level: Second

Property

Details

  • Parcel number: 13121.1915

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.25 Acres
  • Features: Sprinkler - Partial

Parking

  • Total spaces: 2
  • Parking features: Attached,RV Access/Parking,Workshop in Garage,Garage Door Opener,Oversized,Electric Vehicle Charging Station(s)
  • 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
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Ice Storm
Strong Wind
Wildfire
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 $3,059$36,708
Home Insurance *$199$2,388
Property Taxes $393$4,716
Electricity $218$2,622
Total$3,869$46,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,651/yr
40% on housing$116,070/yr
45% on housing$103,173/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

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 99004$193
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99004$225
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
2026-03-02Price change$554,990
2026-02-20Listed for sale$439,990

New Construction Spec

AgentAudrey Soukup
BrokerageNew Home Star Washington, LLC

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