1407 196th St E, Spanaway, WA 98387 Property Records

Pierce County property record for 1407 196th St E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,830 sqft · built 2004
Lot Size	0.107 acres (4,656 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2026)
Tax Bill	$4,968 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`500305-0-040`

Property Details

APN / Parcel Number

Primary APN	`500305-0-040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	432 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,656 sqft (0.107 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1407 196TH ST E
City	SPANAWAY
State	WA
Zip	98387-8034
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 4 TOG/W 1/99TH UNDIV INT IN TR A,B,C & D EASE OF REC 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	4
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1003
Census Tract	71411

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 26, 2022	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 20, 2019	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Oct 24, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Oct 26, 2022 · Amount on Record
Deed Document Number	2026408
Prior Transfer Date	Jun 15, 2011
Prior Transfer Doc	0000000521
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Feb 26, 2026
Property Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Document Number	0002260408
Map Reference	DOC 200212035005
Instrument Date	Feb 20, 2026
Instrument	202602260408
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NEXTITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,000.00
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	1407 196TH ST E, SPANAWAY, WA 98387-8034

Mortgage

Document Number	0002260409
Date	Feb 26, 2026
Instrument	202602260409

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Oct 26, 2022
Property Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Document Number	0010260342
Map Reference	DOC 200212035005
Instrument Date	Oct 25, 2022
Instrument	202210260342
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO WA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,760.00
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	1407 196TH ST E, SPANAWAY, WA 98387-8034

Mortgage

Document Number	0010260343
Date	Oct 26, 2022
Instrument	202210260343

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002240429
Date	Feb 24, 2020
Instrument	202002240429

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	May 20, 2019
Property Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Document Number	0005200546
Map Reference	DOC 200212035005
Instrument Date	May 16, 2019
Instrument	201905200546
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,607.00
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	1407 196TH ST E, SPANAWAY, WA 98387-8034

Mortgage

Document Number	0005200547
Date	May 20, 2019
Instrument	201905200547

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Oct 24, 2017
Property Address	1407 196TH ST E, SPANAWAY, WA 98387-8034
Document Number	0010240885
Map Reference	AF200212035005
Instrument Date	Oct 19, 2017
Instrument	201710240885
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,717.00
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	1407 196TH ST E, SPANAWAY, WA 98387-8034

Mortgage

Document Number	0010240886
Date	Oct 24, 2017
Instrument	201710240886

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Mortgage

Document Number	0010240887
Date	Oct 24, 2017
Instrument	201710240887

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 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	Bethel School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$441,600 (+1.87%) Land $142,400 Building $299,200	$441,600 (+1.87%) Land $142,400 Building $299,200
2025	$4,968.00 (+2.73%)	$433,500 (+5.22%) Land $144,500 Building $289,000	$433,500 (+5.22%) Land $144,500 Building $289,000
2024	$4,836.00 (-1.77%)	$412,000 (-3.58%) Land $148,900 Building $263,100	$412,000 (-3.58%) Land $148,900 Building $263,100
2023	$4,923.00	$427,300 Land $141,300 Building $286,000	$427,300 Land $141,300 Building $286,000

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

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

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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