1907 197th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 1907 197th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,678 sqft · built 2012
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2018)
Tax Bill	$6,196 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`500391-0-170`

Property Details

APN / Parcel Number

Primary APN	`500391-0-170`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,678 sqft Living Area
Gross Area	3,190 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	512 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	1907 197TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-8076
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 17 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	17
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1003
Census Tract	71411

Owner

1907 197th St Ct E is owned and occupied by two individuals who bought it in December 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Line of Credit UNITUS COMMUNITY CU
Oct 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 6, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Oct 17, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Dec 14, 2018	Warranty Deed, Transfer · FHA Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Mar 14, 2013 · Amount on File
Deed Document Number	2018712
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076

Mortgage

Document Number	0006181148
Date	Jun 18, 2021
Instrument	202106181148

Lender

Name	UNITUS COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97207

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010260203
Date	Oct 26, 2021
Instrument	202110260203

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Nov 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Document Number	2007100171
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1907 197TH STREET CT E SPANAWAY WA 983878076, SPANAWAY, WA 98387-8076

Mortgage

Document Number	2007100171
Date	Jul 10, 2020
Instrument	202007100171

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Document Number	1910230391
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1907 197TH STREET CT E SPANAWAY WA 983878076, SPANAWAY, WA 98387-8076

Mortgage

Document Number	1910230391
Date	Oct 23, 2019
Instrument	201910230391

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Dec 14, 2018
Property Address	1907 197TH STREET CT E, SPANAWAY, WA 98387-8076
Document Number	1812140712
Instrument Date	Dec 11, 2018
Instrument	201812140712
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,879.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1907 197TH STREET CT E SPANAWAY WA 983878076, SPANAWAY, WA 98387-8076

Mortgage

Document Number	1812140713
Date	Dec 14, 2018
Instrument	201812140713

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1907 197th St Ct E was $6,196, up 0.8% 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	$6,196.00 (+0.85%)	$553,400 Land $144,900 Building $408,500	$553,400 Land $144,900 Building $408,500
2025	$6,144.00 (+3.61%)
2024	$5,930.00 (-2.6%)	$509,900 (-4.39%) Land $151,600 Building $358,300	$509,900 (-4.39%) Land $151,600 Building $358,300
2023	$6,088.00	$533,300 Land $143,800 Building $389,500	$533,300 Land $143,800 Building $389,500

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

Flood

FEMA maps place 1907 197th St Ct 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 1907 197th St Ct E is low, with less than 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 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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