20602 86th Ave Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 20602 86th Ave Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,772 sqft · built 1998
Lot Size	0.114 acres (4,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Sep 2025)
Tax Bill	$4,725 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`602216-0-280`

Property Details

APN / Parcel Number

Primary APN	`602216-0-280`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,772 sqft Living Area
Gross Area	424 sqft
1st Floor Area	864 sqft
Upper Floors Area	908 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,946 sqft (0.114 acres)
Garage Type	Attached
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Deck Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20602 86TH AVENUE CT E
City	SPANAWAY
State	WA
Zip	98387-5081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 04 TOWNSHIP 18 RANGE 04 QUARTER 33 CEDARWOOD PDD L 28 TOG/W 1/38TH UNDIV INT IN PRI RD EASE OF REC OUT OF 3-034 & 3-036 SEG J0082 MD 7/21/97 MD
Legal Range	04
Legal Township	18
Legal Section	04
Legal Subdivision	CEDARWOOD PDD
Legal Lot Number	28
Jurisdiction	PIERCE WA
Township / Civil Division	GRAHAM-THRIFT
Census Block Group	3
Census Block	3000
Census Tract	73133

Owner

Source: Pierce County records, as of July 15, 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	20602 86TH AVENUE CT E, SPANAWAY, WA 98387-5081
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 28, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	2025792
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Sep 30, 2025
Property Address	20602 86TH AVENUE CT E, SPANAWAY, WA 98387-5081
Document Number	0009300792
Instrument Date	Sep 28, 2025
Instrument	202509300792
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20602 86TH AVENUE CT E, SPANAWAY, WA 98387-5081

Mortgage

Document Number	0009300793
Date	Sep 30, 2025
Instrument	202509300793

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0009300794
Date	Sep 30, 2025
Instrument	202509300794

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	May 28, 2019
Property Address	20602 86TH AVENUE CT E, SPANAWAY, WA 98387-5081
Document Number	0005280491
Map Reference	DOC 9706110060
Instrument Date	May 17, 2019
Instrument	201905280491
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,607.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20602 86TH AVENUE CT E, SPANAWAY, WA 98387-5081

Mortgage

Document Number	0005280492
Date	May 28, 2019
Instrument	201905280492

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Mortgage

Document Number	0005280493
Date	May 28, 2019
Instrument	201905280493

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

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		$435,000 (+2.69%) Land $157,800 Building $277,200	$435,000 (+2.69%) Land $157,800 Building $277,200
2025	$4,725.00 (-0.36%)	$423,600 (+5.37%) Land $150,100 Building $273,500	$423,600 (+5.37%) Land $150,100 Building $273,500
2024	$4,742.00 (-2.13%)	$402,000 (-4.63%) Land $155,600 Building $246,400	$402,000 (-4.63%) Land $155,600 Building $246,400
2023	$4,845.00	$421,500 Land $143,400 Building $278,100	$421,500 Land $143,400 Building $278,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 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	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 263 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

May also be available: Lightcurve.

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