1204 186th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 1204 186th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,215 sqft · built 2010
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$276,500 (Mar 2011)
Tax Bill	$6,994 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`500419-0-090`

Property Details

APN / Parcel Number

Primary APN	`500419-0-090`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	3,215 sqft Living Area
Gross Area	3,713 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1204 186TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-8535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 34 TOWNSHIP 19 RANGE 03 QUARTER 31 PLAT ANDERSON RIDGE PDD LOT 9 TOG/W UND INT IN TRS A, B, C & E EASE OF RECORD OUT OF 03-19-34-3-011 & 3-020 SEG 2008-0484 JU 12/17/07MC
Legal Range	03
Legal Township	19
Legal Section	34
Legal Subdivision	ANDERSON RIDGE PDD
Legal Tract	A
Legal Lot Number	9
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1007
Census Tract	71417

Owner

1204 186th St Ct E is owned and occupied by two individuals who bought it in March 2011.

Source: Pierce County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit SEATTLE METROPOLITAN CU
May 23, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 15, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2011 · Amount on File
Deed Sale	Mar 18, 2011 · Amount on File
Prior Sale	Dec 14, 2009 · Amount on File
Deed Document Number	2011544
Prior Transfer Date	Feb 4, 2011
Prior Transfer Doc	0000000318
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535

Mortgage

Document Number	0012030512
Date	Dec 3, 2025
Instrument	202512030512

Lender

Name	SEATTLE METROPOLITAN CU
Type	Credit Union
Address	SEATTLE, WA 98134

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Nov 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535
Transaction Type	Mortgage
Record Updated	Jun 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535

Mortgage

Document Number	0005230234
Date	May 23, 2023
Instrument	202305230234

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1204 186TH STREET CT E, SPANAWAY, WA 98387-8535
Document Number	2006010334
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1204 186TH STREET CT E SPANAWAY WA 983878535, SPANAWAY, WA 98387-8535

Mortgage

Document Number	2006010334
Date	Jun 1, 2020
Instrument	202006010334

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1204 186th St Ct E was $6,994, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,994.00 (+3.54%)	$589,400 Land $155,800 Building $433,600	$589,400 Land $155,800 Building $433,600
2025	$6,755.00 (+4.94%)
2024	$6,437.00 (+1.53%)	$555,000 (+0.05%) Land $166,200 Building $388,800	$555,000 (+0.05%) Land $166,200 Building $388,800
2023	$6,340.00	$554,700 Land $160,400 Building $394,300	$554,700 Land $160,400 Building $394,300

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

Flood

FEMA maps place 1204 186th St Ct E in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 1204 186th St Ct E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SPANAWAY WATER COMPANY private · serves 34,506 people · EPA ID WA5382850
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 439 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, Lightcurve, T-Mobile, Verizon.

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