There haven't been many solds near this home in the last 3 months and most lenders, appraisers and realtors like to see what the market has been doing in that time frame in determing market value.
If you have made value improvements to your home since you purchased it in 2000 and not refinanced or taken funds out of your home you may have some equity in there. The market has been improving in the Spokane area but values are determined by supply,demand, location, condition and buyer and seller motivations to buy and sell. You really need to have a Realtor give you their opinion which can only be determined by a complete market analysis which is at no charge to you. Good Luck to you. Hope this helps.