209 186th St E, Spanaway, WA 98387 Property Records

Pierce County property record for 209 186th St E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,563 sqft · built 1979
Lot Size	0.298 acres (12,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Dec 2021)
Tax Bill	$5,436 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`408203-0-140`

Property Details

APN / Parcel Number

Primary APN	`408203-0-140`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	2,391 sqft
1st Floor Area	1,563 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,960 sqft (0.298 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	421 sqft
Deck Area	360 sqft
Patio Area	612 sqft
Storage Building	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	209 186TH ST E
City	SPANAWAY
State	WA
Zip	98387-8315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 33 TOWNSHIP 19 RANGE 03 QUARTER 42 GARLO THIRD ADDITION: GARLO THIRD ADDITION LOT 14 EASE OF RECORD SE-33-19-03E OUT OF 03-19-33-4-063 SEG L-2177 HB JW
Legal Range	03
Legal Township	19
Legal Section	33
Legal Subdivision	GARLO THIRD ADDITION
Legal Lot Number	14
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1004
Census Tract	71416

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	209 186TH ST E, SPANAWAY, WA 98387-8315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Warranty Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK NA
Mar 24, 2021	Deed of Trust, Mortgage · Closed-End Mortgage TELCO COMMUNITY CU
Feb 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 8, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	2021245
Prior Transfer Date	Jul 11, 2018
Prior Transfer Doc	0000000553
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Dec 17, 2021
Property Address	209 186TH ST E, SPANAWAY, WA 98387-8315
Document Number	0012170245
Map Reference	MB 57 PG 31&32
Instrument Date	Nov 29, 2021
Instrument	202112170245
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,960.00
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	209 186TH ST E, SPANAWAY, WA 98387-8315

Mortgage

Document Number	0012170246
Date	Dec 17, 2021
Instrument	202112170246

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	209 186TH ST E, SPANAWAY, WA 98387-8315
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003240873
Date	Mar 24, 2021
Instrument	202103240873

Lender

Name	TELCO COMMUNITY CU
Type	Credit Union
Address	TACOMA, WA 98402

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 3, 2031

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PIERCE WA
Recording Date	Feb 8, 2019
Property Address	209 186TH ST E, SPANAWAY, WA 98387-8315
Document Number	1902080557
Instrument Date	Jan 27, 2019
Instrument	201902080557
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 186TH ST E SPANAWAY WA 983878315, SPANAWAY, WA 98387-8315

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	PIERCE WA
Recording Date	Feb 8, 2019
Property Address	209 186TH ST E, SPANAWAY, WA 98387-8315
Document Number	1902080556
Instrument Date	Jan 27, 2019
Instrument	201902080556
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 186TH ST E SPANAWAY WA 983878315, SPANAWAY, WA 98387-8315

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		$483,300 (+7.3%) Land $182,200 Building $301,100	$483,300 (+7.3%) Land $182,200 Building $301,100
2025	$5,436.00 (+3.37%)
2024	$5,259.00 (-3.58%)	$450,400 (-5.46%) Land $194,300 Building $256,100	$450,400 (-5.46%) Land $194,300 Building $256,100
2023	$5,454.00	$476,400 Land $187,500 Building $288,900	$476,400 Land $187,500 Building $288,900

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 193 locations within half a mile, as of December 31, 2025

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

May also be available: Lightcurve, Verizon.

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