1314 195th St E, Spanaway, WA 98387 Property Records

Pierce County property record for 1314 195th St E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,951 sqft · built 2003
Lot Size	0.098 acres (4,256 sqft)
Owner	2 Individual Names on File
Last Sale	$169,900 (Apr 2015)
Tax Bill	$5,024 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`500305-0-120`

Property Details

APN / Parcel Number

Primary APN	`500305-0-120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,951 sqft Living Area
Gross Area	2,377 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,256 sqft (0.098 acres)
Garage Type	Attached
Garage Area	426 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	1314 195TH ST E
City	SPANAWAY
State	WA
Zip	98387-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 03 TOWNSHIP 18 RANGE 03 QUARTER 21 CRESCENT POND PDD L 12 TOG/W 1/99TH UNDIV INT IN TR A, B,C & D EASE OF RECORD OUT OF 2-038 SEG R0415 12/9/02MD
Legal Range	03
Legal Township	18
Legal Section	03
Legal Subdivision	CRESCENT POND PDD
Legal Tract	A
Legal Block	C
Legal Lot Number	12
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1003
Census Tract	71411

Owner

1314 195th St E is owned and occupied by two individuals who bought it in April 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
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
Jun 22, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Aug 2, 2018	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY
Sep 18, 2017	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2015 · Amount on File
Deed Sale	Apr 2, 2015 · Amount on File
Prior Sale	Jun 2, 2014 · Amount on File
Deed Document Number	20151084
Prior Transfer Date	May 21, 2014
Prior Transfer Doc	0000000329
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Recording Date	Jun 22, 2026
Property Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
Document Number	0000000629
Instrument Date	May 19, 2026
Instrument	2026629
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000629,
Date	Jun 22, 2026
Instrument	2026629

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	267 Months
Due	Sep 1, 2048

Interest

Rate	6.23%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 195TH ST E, SPANAWAY, WA 98387-3407

Mortgage

Document Number	0001100084
Date	Jan 10, 2022
Instrument	202201100084

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Sep 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
Document Number	1808070511
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1314 195TH ST E SPANAWAY WA 983873407, SPANAWAY, WA 98387-3407

Mortgage

Document Number	1808070511
Date	Aug 7, 2018
Instrument	201808070511

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1314 195TH ST E, SPANAWAY, WA 98387-3407
Document Number	1709220186
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1314 195TH ST E SPANAWAY WA 983873407, SPANAWAY, WA 98387-3407

Mortgage

Document Number	1709220186
Date	Sep 22, 2017
Instrument	201709220186

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1314 195th St E was $5,024, up 1.1% 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	$5,024.00 (+1.09%)	$440,800 Land $139,100 Building $301,700	$440,800 Land $139,100 Building $301,700
2025	$4,970.00 (+3.01%)
2024	$4,825.00 (-1.81%)	$410,100 (-3.66%) Land $145,600 Building $264,500	$410,100 (-3.66%) Land $145,600 Building $264,500
2023	$4,914.00	$425,700 Land $138,100 Building $287,600	$425,700 Land $138,100 Building $287,600

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

Flood

FEMA maps place 1314 195th St E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 27, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1314 195th St 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	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 392 locations within half a mile, as of December 31, 2025

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

May also be available: Lightcurve, Verizon.

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