1165 97th St E, Tacoma, WA 98445 Property Records

Pierce County property record for 1165 97th St E, Tacoma, WA 98445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,943 sqft · built 1918
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$242,219 (Apr 2015)
Tax Bill	$5,589 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031903-2-007`

Property Details

APN / Parcel Number

Primary APN	`031903-2-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,943 sqft Living Area
Gross Area	2,015 sqft
1st Floor Area	1,451 sqft
Attic	Attic
Attic Area	492 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	888 sqft
Deck Area	72 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	492 sqft
Storage Building	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1165 97TH ST E
City	TACOMA
State	WA
Zip	98445-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 03 TOWNSHIP 19 RANGE 03 QUARTER 21 : BEG 2972.02 FT S & 370 FT E OF NW COR E MEEKER DC TH E 90 FT TH N 270 FT TH W 90 FT TH S 270 FT TO BEG
Legal Range	03
Legal Township	19
Legal Section	03
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	2
Census Block	2029
Census Tract	71601

Owner

Source: Pierce County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1165 97TH ST E, TACOMA, WA 98445-4015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit HARBORSTONE CU
Oct 12, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Oct 2, 2018	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2015 · Amount on Record
Deed Sale	Apr 3, 2015 · Amount on Record
Prior Sale	Nov 7, 2013 · Amount on Record
Deed Document Number	20151334
Prior Transfer Date	Feb 24, 2004
Prior Transfer Doc	0000000740
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1165 97TH ST E, TACOMA, WA 98445-4015
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007190116
Date	Jul 19, 2021
Instrument	202107190116

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1165 97TH ST E, TACOMA, WA 98445-4015
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	PUGET SOUND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003150487
Date	Mar 15, 2022
Instrument	202203150487

Lender

Name	HARBORSTONE CU
Type	Credit Union
Address	MCCHORD AFB, WA 98438

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PIERCE WA
Property Address	1165 97TH ST E, TACOMA, WA 98445-4015
Document Number	2101050316
Instrument Date	Oct 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 97TH ST E TACOMA WA 984454015, TACOMA, WA 98445-4015

Mortgage

Document Number	2101050316
Date	Jan 5, 2021
Instrument	202101050316

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1165 97TH ST E, TACOMA, WA 98445-4015
Document Number	1810110413
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1165 97TH ST E TACOMA WA 984454015, TACOMA, WA 98445-4015

Mortgage

Document Number	1810110413
Date	Oct 11, 2018
Instrument	201810110413

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1165 97TH ST E, TACOMA, WA 98445-4015
Document Number	1711070006
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1165 97TH ST E TACOMA WA 984454015, TACOMA, WA 98445-4015

Mortgage

Document Number	1711070006
Date	Nov 7, 2017
Instrument	201711070006

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

Tax Assessment & Valuation

Source: Pierce County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Pierce County
Unified School District	Franklin Pierce School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,100 (+8.71%) Land $193,500 Building $280,600	$474,100 (+8.71%) Land $193,500 Building $280,600
2025	$5,589.00 (+10.8%)
2024	$5,044.00 (-3.57%)	$436,100 (-7.84%) Land $198,100 Building $238,000	$436,100 (-7.84%) Land $198,100 Building $238,000
2023	$5,231.00	$473,200 Land $210,300 Building $262,900	$473,200 Land $210,300 Building $262,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF TACOMA WATER DIVISION serves 446,245 people · EPA ID WA5386800
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: CenturyLink, Verizon.

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