14004 S Finney St, Medical Lake, WA 99022

Lake Access Living at 14004 S Finney St, Medical Lake, WA 99022

Tucked on a private 0.73-acre lot near the shores of Clear Lake, this 4 bedroom, 2.5 bathroom home offers a rare combination of space, serenity, and summer-ready amenities—including deeded access to a private beach, dock, and boat launch.

Inside, you’ll find over 4,200 square feet of living space with a flexible layout that’s ideal for multigenerational living or hosting. The expansive upper-level primary suite offers privacy and comfort, while the basement layout creates space for guests, hobbies, or extended family.

The heart of the home includes generous entertaining areas both indoors and out—perfect for summer BBQs, family gatherings, or peaceful mornings under mature trees.

Need storage? An oversized 3-car garage plus a detached boat garage provide all the room you need for toys, tools, or weekend getaways. A new roof was installed in 2020, and the timeless 1.5-story design offers strong curb appeal and solid construction.

Yes, this home needs new carpet and a deep clean—but the upside is undeniable. With strong bones, a rare location, and deeded lake access, this is your chance to add value and create your own lakeside retreat.

🛶 Why Buyers Love This Zip Code (99022)

Medical Lake and the Clear Lake area offer a peaceful lifestyle with excellent outdoor recreation. Fishing, kayaking, and boating are just minutes from your door. Plus, you’re a short drive to downtown Spokane, Fairchild AFB, and Spokane International Airport—making this home as practical as it is peaceful.

LOCAL DATA (Medical Lake + 99022)

Medical Lake, WA:

Population: ~5,400
Average Sold Home Price (Past 6 Months): $447,000
YOY Appreciation: +4.2%

Zip Code 99022:

Population: ~8,200
Average Sold Home Price: $462,000
YOY Appreciation: +3.9%

$462k

Median Home Price in 99022

3.9%

Property Price Increase YoY

8.2k

Residents In 99022

At Haven, success isn’t just about transactions—it’s about people. Our team of dedicated agents is the reason we consistently deliver top-tier results. Their passion, knowledge, and drive set us apart.

You are more than a transaction, you deserve an agent who puts you first.

Trusted to guide them.

What they have to say.

I could tell they put my families best interest first. They even welcomed us with a very thoughtful gift basket waiting for us when we arrived. I love my new home and I never could have done it without my fabulous realtor!!

They truly are the ultimate realtor – someone you unequivocally want on your team. Regardless of where you are in the world, they seamlessly becomes your "eyes and ears," providing a level of trust and assurance that is unparalleled.

No pressure, no sly tactics, just good pure skills and relationship building.

They sold my house in two days, and the preparation for the sale was a week long and very precise and helpful. They are a group of rare tenacity and professionalism.

Haven Real Estate was incredible to work with! We were moving from out of state which can always complicate the process and bring a lot of anxiety to us looking for a home from a distance, but they made the process go so smoothly and eased the stress that comes with finding a home.

Hands down the best experience I have had. They are rock stars and made mine and my wife’s life very easy during the process of selling our home!

Questions you might have before you buy a home in Cheney.

Can I actually afford to buy a home?

Yes—probably more than you think. Many buyers are surprised by how affordable homeownership can be, especially with today’s loan programs. However, affordability isn’t just about what you qualify for—it’s about what feels right for your life. That’s why our agents at Haven Real Estate Group take the time to look at your full picture and walk you through not just the mortgage payment, but also other costs like taxes, insurance, and utilities. You deserve a home you love and peace of mind with your budget.

What’s the first step I should take?

The smartest first step is a conversation with a knowledgeable real estate agent. At Haven, our agents are trained to guide you—not sell to you. We’ll help you understand your options, connect you with trusted lenders, and put a clear plan together. Every buyer’s situation is different, and we’re here to tailor the path to fit your goals.

Is now even a good time to buy?

That depends on your personal situation, not just headlines. Interest rates and market conditions matter, but your timing, goals, and financial readiness matter more. Our agents are trained to help you look beyond the noise and make a decision that aligns with your life—not someone else's opinion. We’ll help you evaluate whether now is the right time for you.

How much money do I need for a down payment and closing costs?

It varies. Some loan programs allow as little as 3% down, and there are even grants and down payment assistance options. Closing costs typically range from 2–5% of the home’s price. The best way to know what you will need is to speak with a Haven agent who can help connect you with the right lender and guide you through your unique scenario.

What if something’s wrong with the house and I don’t know it?

That’s a valid fear—and it’s exactly why we insist on professional inspections and detailed due diligence. At Haven, our agents guide you through the entire process with your protection in mind. If something comes up during inspections, we’ll help you decide how to move forward—whether that means negotiating repairs or walking away. We don’t push deals. We advocate for your best outcome.

What neighborhood should I buy in?

The right neighborhood depends on your lifestyle, budget, and long-term goals. Are schools important? Commute time? Walkability? Resale potential? At Haven, our agents listen first, then provide data, context, and insight to help you explore areas that fit your vision. We don’t make decisions for you—we help you feel confident in the one you make.

What do I need to know before making an offer?

You need to know the home’s true market value, how competitive the offer needs to be, and what terms protect you. Our agents at Haven walk you through every part of that—from pricing strategy to contingencies—so you’re never guessing or feeling pressured. We’re in your corner to make sure your offer is smart, fair, and puts you in the strongest position possible.

How do I avoid overpaying for a home?

You avoid overpaying by working with an agent who’s focused on your best interests—not just closing the deal. At Haven, we rely on market data, comparative sales, and negotiation experience to guide you. We’ll help you understand what the home is really worth and how to structure your offer to get the best possible value—without overreaching.

What does a good agent actually do—and how do I find one I can trust?

A great agent is your advisor, negotiator, problem-solver, and advocate. At Haven, our agents are trained to lead with integrity and relationship—not sales tactics. We’re here to guide, protect, and educate you every step of the way. The best agents don’t talk you into a home—they help you make the right decision. That’s the standard we hold ourselves to.