20432 97th Ave E, Graham, WA 98338 Property Records

Pierce County property record for 20432 97th Ave E, Graham, WA 98338

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,630 sqft · built 2025
Lot Size	0.102 acres (4,456 sqft)
Owner	2 Individual Names on File
Last Sale	$599,990 (Apr 2026)
Tax Bill	$6,461 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`602785-0-080`

Property Details

APN / Parcel Number

Primary APN	`602785-0-080`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,630 sqft Living Area
Gross Area	3,070 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	4,456 sqft (0.102 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	20432 97TH AVE E
City	GRAHAM
State	WA
Zip	98338-6144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 04 TOWNSHIP 18 RANGE 04 QUARTER 43 KIMBERLY ESTATES PDD: L 8 TOG/W UNDIV INT IN TRACTS A, B, D & E EASE OF REC OUT OF 04-18-04-4-021, 4-022 & 4-033 SEG 2024-0229 11/27/23 JP
Legal Subdivision	KIMBERLY ESTATES PDD
Legal Lot Number	8
Jurisdiction	PIERCE WA
Township / Civil Division	GRAHAM-THRIFT
Census Block Group	2
Census Block	2003
Census Tract	73124

Owner

20432 97th Ave E is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	20432 97TH AVE E, GRAHAM, WA 98338-6144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · FHA Mortgage HOMEAMERICAN MORTGAGE CORPORATION
Dec 22, 2023	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Dec 22, 2023 · Amount on File
Deed Document Number	2026166
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Apr 28, 2026
Property Address	20432 97TH AVE E, GRAHAM, WA 98338-6144
Document Number	0000000166
Instrument Date	Apr 27, 2026
Instrument	2026.166
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$983,216.82
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20432 97TH AVE E, GRAHAM, WA 98338-6144

Mortgage

Document Number	0000000167,
Date	Apr 28, 2026
Instrument	2026.28.167

Lender

Name	HOMEAMERICAN MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Dec 22, 2023
Property Address	20432 97TH AVE E, GRAHAM, WA 98338-6144
Document Number	0012220176
Map Reference	DOC 202311165006
Instrument Date	Nov 21, 2023
Instrument	202312220176
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Limited Transfer Tax Data
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20819 72ND AVE S STE 110, 110, KENT, WA 98032-2390
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 20432 97th Ave E was $6,461, up 49% 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	$6,461.00 (+490.05%)	$596,600 (+369.39%) Land $144,100 Building $452,500	$596,600 (+369.39%) Land $144,100 Building $452,500
2025	$1,095.00 (+455.84%)	$127,100 Land $127,100	$127,100 Land $127,100
2024	$197.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20432 97th Ave 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 20432 97th Ave 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 93% of the US · lower than 95% 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	SOUTHWOOD private · serves 64,155 people · EPA ID WA5382844
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2021
Lead	2 ppb (2022–2024) 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Lightcurve Cable	1,000 / 20

May also be available: Verizon.

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