1815 197th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 1815 197th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,532 sqft · built 2011
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,719 (Feb 2017)
Tax Bill	$5,980 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`500391-0-210`

Property Details

APN / Parcel Number

Primary APN	`500391-0-210`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	3,020 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1815 197TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-8056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 03 TOWNSHIP 18 RANGE 03 QUARTER 14 PLAT SOUTHWIND PDD LOT 21 TOG/W UND INT IN TRS A1, A2, C & D EASE OF RECORD OUT OF 03-18-03-1-021 SEG 2007-0932 JU 5/16/07MC
Legal Range	03
Legal Township	18
Legal Section	03
Legal Subdivision	SOUTHWIND PDD
Legal Lot Number	21
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1003
Census Tract	71411

Owner

Source: Pierce County records, as of October 19, 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 Record
Mailing Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Apr 2, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Feb 28, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Aug 31, 2012 · Amount on Record
Deed Document Number	2017637
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Recording Date	Jul 9, 2026
Property Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Document Number	0000000242
Instrument Date	Jun 17, 2026
Instrument	2026242
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056

Mortgage

Document Number	0000000242,
Date	Jul 9, 2026
Instrument	2026242

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056

Mortgage

Document Number	0010140280
Date	Oct 14, 2021
Instrument	202110140280

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Document Number	1905020104
Instrument Date	Apr 2, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 197TH STREET CT E SPANAWAY WA 983878056, SPANAWAY, WA 98387-8056

Mortgage

Document Number	1905020104
Date	May 2, 2019
Instrument	201905020104

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PIERCE WA
Property Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Document Number	1905020101
Instrument Date	Apr 2, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 197TH STREET CT E SPANAWAY WA 983878056, SPANAWAY, WA 98387-8056

Mortgage

Document Number	1905020101
Date	May 2, 2019
Instrument	201905020101

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate	4.87%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Feb 28, 2017
Property Address	1815 197TH STREET CT E, SPANAWAY, WA 98387-8056
Document Number	1702280637
Instrument Date	Feb 21, 2017
Instrument	201702280637
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,256.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1815 197TH STREET CT E SPANAWAY WA 983878056, SPANAWAY, WA 98387-8056

Mortgage

Document Number	1702280638
Date	Feb 28, 2017
Instrument	201702280638

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 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	$5,980.00 (+0.88%)	$532,800 (+8.36%) Land $144,900 Building $387,900	$532,800 (+8.36%) Land $144,900 Building $387,900
2025	$5,928.00 (+3.49%)
2024	$5,728.00 (-2.44%)	$491,700 (-4.25%) Land $151,600 Building $340,100	$491,700 (-4.25%) Land $151,600 Building $340,100
2023	$5,871.00	$513,500 Land $143,800 Building $369,700	$513,500 Land $143,800 Building $369,700

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 95% of the US · lower than 97.1% 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 780 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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