20620 97th Ave E, Graham, WA 98338 Property Records

Pierce County property record for 20620 97th Ave E, Graham, WA 98338

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,786 sqft · built 2025
Lot Size	0.124 acres (5,385 sqft)
Owner	2 Individual Names on File
Last Sale	$524,990 (Oct 2025)
Tax Bill	$5,090 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`602785-0-160`

Property Details

APN / Parcel Number

Primary APN	`602785-0-160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,786 sqft Living Area
Gross Area	2,026 sqft

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	5,385 sqft (0.124 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	20620 97TH AVE E
City	GRAHAM
State	WA
Zip	98338-6139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 04 TOWNSHIP 18 RANGE 04 QUARTER 43 KIMBERLY ESTATES PDD: L 16 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	16
Jurisdiction	PIERCE WA
Township / Civil Division	GRAHAM-THRIFT
Census Block Group	2
Census Block	2003
Census Tract	73124

Owner

20620 97th Ave E is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20620 97TH AVE E, GRAHAM, WA 98338-6139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 7, 2025	Warranty Deed, Subdivision Related Transfer · VA Mortgage HOME AMERICAN MORTGAGE CORP
Dec 22, 2023	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Dec 22, 2023 · Amount on File
Deed Document Number	2025213
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Oct 7, 2025
Property Address	20620 97TH AVE E, GRAHAM, WA 98338-6139
Document Number	0010070213
Instrument Date	Oct 3, 2025
Instrument	202510070213
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 21, 2026
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,399.84
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	20620 97TH AVE E, GRAHAM, WA 98338-6139

Mortgage

Document Number	0010070214
Date	Oct 7, 2025
Instrument	202510070214

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	2.87%
Margin	2
Max Rate	8.87%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Dec 22, 2023
Property Address	20620 97TH AVE E, GRAHAM, WA 98338-6139
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 20620 97th Ave E was $5,090, up 343.8% 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	$5,090.00 (+343.77%)	$465,700 (+249.62%) Land $151,000 Building $314,700	$465,700 (+249.62%) Land $151,000 Building $314,700
2025	$1,147.00 (+485.2%)	$133,200 Land $133,200	$133,200 Land $133,200
2024	$196.00

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 20620 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 20620 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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