16320 38th St E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 16320 38th St E, Lake Tapps, WA 98391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1970
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on File
Last Sale	$146,500 (Sep 1999)
Tax Bill	$7,440 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052018-1-027`

Property Details

APN / Parcel Number

Primary APN	`052018-1-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	880 sqft
Unfinished Basement	352 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	42,689 sqft (0.98 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Deck Area	236 sqft
Patio Area	236 sqft
Shed	1 Shed
Shed Area	880 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	16320 38TH ST E
City	LAKE TAPPS
State	WA
Zip	98391-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 18 TOWNSHIP 20 RANGE 05 QUARTER 14 : COM AT BRASS MON MARKING E 1/4 COR TH N 00 DEG 55 MIN 05 SEC E ALG E LI OF SD SEC 659 FT TH N 88 DEG 46 MIN 21 SEC W 1305.47 FT TO SW COR OF NW OF SE OF NE & TRUE POB TH N 01 DEG 02 MIN 21 SEC E ALG W LI O
Legal Range	05
Legal Township	20
Legal Section	18
Jurisdiction	PIERCE WA
Township / Civil Division	PUYALLUP
Census Block Group	2
Census Block	2015
Census Tract	70313

Owner

16320 38th St E is owned and occupied by two individuals who bought it in September 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	16320 38TH ST E, LAKE TAPPS, WA 98391-9526
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 1999 · Amount on File
Deed Sale	Sep 3, 1999 · Amount on File
Prior Sale	Jan 31, 1994
Deed Document Number	1999589
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Recording Date	Jun 10, 2026
Property Address	16320 38TH ST E, LAKE TAPPS, WA 98391-9526
Document Number	0000000140
Instrument Date	Jun 4, 2026
Instrument	2026140
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16320 38TH ST E, LAKE TAPPS, WA 98391-9526

Mortgage

Document Number	0000000140,
Date	Jun 10, 2026
Instrument	2026140

Lender

Name	CORNERSTONE HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 16320 38th St E was $7,440, up 16.9% 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		$596,600 (-4.77%) Land $335,200 Building $261,400	$596,600 (-4.77%) Land $335,200 Building $261,400
2025	$7,440.00 (+16.94%)	$626,500 (+5.44%) Land $344,200 Building $282,300	$626,500 (+5.44%) Land $344,200 Building $282,300
2024	$6,362.00 (+0.94%)	$594,200 (-2.43%) Land $313,400 Building $280,800	$594,200 (-2.43%) Land $313,400 Building $280,800
2023	$6,303.00	$609,000 Land $313,400 Building $295,600	$609,000 Land $313,400 Building $295,600

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

Flood

FEMA maps place 16320 38th 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 16320 38th 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 96% of the US · lower than 97.6% 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	BONNEY LAKE WATER DEPARTMENT CITY serves 43,371 people · EPA ID WA5307650
Water Source	Purchased surface water from CITY OF TACOMA WATER DIVISION
Last State Inspection	Oct 2021
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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