12975 186th Ave E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 12975 186th Ave E, Lake Tapps, WA 98391

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 2,899 sqft · built 2022
Lot Size	0.096 acres (4,172 sqft)
Owner	2 Individual Names on File
Last Sale	$769,859 (May 2022)
Tax Bill	$8,608 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`700305-4-650`

Property Details

APN / Parcel Number

Primary APN	`700305-4-650`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,899 sqft Living Area
Gross Area	3,385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Roof Material	Composition Shingle
Lot Area	4,172 sqft (0.096 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12975 186TH AVE E
City	BONNEY LAKE
State	WA
Zip	98391-8369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EBPC
Legal Description	SECTION 16 TOWNSHIP 19 RANGE 05 QUARTER 21 EAGLE RIDGE AT TEHALEH PHASES VI & VII: L 465 EASE OF REC OUT OF 05-19-09-3-021, 700290-180-0, 700298-137-0, 700300-363-0 & 363-1 SEG 2021-0479 JP 05/21/21 JP
Legal Subdivision	EAGLE RIDGE AT TEHALEH PHASES VI & VII
Legal Lot Number	465
Jurisdiction	PIERCE WA
Township / Civil Division	BUCKLEY
Census Block Group	2
Census Block	2016
Census Tract	70208

Owner

12975 186th Ave E is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12975 186TH AVE E, BONNEY LAKE, WA 98391-8369
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
May 27, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FCU
Jul 22, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Deed Document Number	2022673
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	May 27, 2022
Property Address	12975 186TH AVE E, LAKE TAPPS, WA 98391-6184
Document Number	0005270673
Map Reference	DOC 202105195003
Instrument Date	May 26, 2022
Instrument	202205270673
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 3, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,808.49
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12975 186TH AVE E, BONNEY LAKE, WA 98391-8369
Investor	Possibly a Property Investor

Mortgage

Document Number	0005270674
Date	May 27, 2022
Instrument	202205270674

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Jul 22, 2021
Property Address	12975 186TH AVE E, LAKE TAPPS, WA 98391-6184
Document Number	0007220784
Map Reference	DOC 202105195003
Instrument Date	Jul 15, 2021
Instrument	202107220784
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$92,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 12975 186th Ave E was $8,608, up 4% 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	Sumner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,608.00 (+4.02%)	$695,000 Land $226,300 Building $468,700	$695,000 Land $226,300 Building $468,700
2025	$8,275.00 (+20.56%)
2024	$6,864.00 (+1.99%)	$642,500 (-1.38%) Land $190,800 Building $451,700	$642,500 (-1.38%) Land $190,800 Building $451,700
2023	$6,730.00	$651,500 Land $190,800 Building $460,700	$651,500 Land $190,800 Building $460,700

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

Flood

FEMA maps place 12975 186th Ave 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	2 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 12975 186th Ave E is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 552 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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