20420 46th Ave E, Spanaway, WA 98387 Property Records

Pierce County property record for 20420 46th Ave E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 3,193 sqft · built 1983
Lot Size	0.999 acres (43,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,499 (2026)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`245000-0-123`

Property Details

APN / Parcel Number

Primary APN	`245000-0-123`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,193 sqft Living Area
1st Floor Area	1,418 sqft
Upper Floors Area	417 sqft
Basement Area	1,386 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1996
Architectural Style	Multi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,500 sqft (0.999 acres)
Garage Type	Detached
Garage Area	3,600 sqft
Parking Spaces	12 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,609 sqft
Deck Area	349 sqft
Patio Area	349 sqft
Shed	1 Shed
Shed Area	1,386 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	20420 46TH AVE E
City	SPANAWAY
State	WA
Zip	98387-6711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 01 TOWNSHIP 18 RANGE 03 QUARTER 34 BERKELEY HOME TRACTS: BERKELEY HOME TRACTS E 290 FT OF W 440 FT OF S 150 FT TR 11 SE OF SW 01-18-03E APPROX 43,500 SQ FT SEGREGATED FOR CONVENIENCE OF MORTGAGE CO MUST BE SOLD WITH PARCEL 012-4 OUT OF 012-1
Legal Range	03
Legal Township	18
Legal Section	01
Legal Subdivision	BERKELEY HOME TRACTS
Legal Tract	E
Legal Lot Number	11
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	2
Census Block	2011
Census Tract	71413

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	20420 46TH AVE E, SPANAWAY, WA 98387-6711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 28, 2010
Transfer Doc	0000000443
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	20420 46TH AVE E, SPANAWAY, WA 98387-6711
Document Number	1806040038
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	20420 46TH AVE E SPANAWAY WA 983876711, SPANAWAY, WA 98387-6711

Mortgage

Document Number	1806040038
Date	Jun 4, 2018
Instrument	201806040038

Lender

Name	TAPCO CU
Type	Credit Union
Address	TACOMA, WA 98466

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 3, 2043

Interest

Rate Type	Adjustable Rate

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	$8,499.00 (+0.85%)	$760,500 (+11.1%) Land $220,100 Building $540,400	$760,500 (+11.1%) Land $220,100 Building $540,400
2025	$8,427.00 (+5.92%)
2024	$7,956.00 (-5.32%)	$684,500 (-7.39%) Land $225,300 Building $459,200	$684,500 (-7.39%) Land $225,300 Building $459,200
2023	$8,403.00	$739,100 Land $228,900 Building $510,200	$739,100 Land $228,900 Building $510,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 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	BETHEL WATER CO private · serves 270 people · EPA ID WA5305948
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20