2124 197th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 2124 197th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,532 sqft · built 2013
Lot Size	0.111 acres (4,842 sqft)
Owner	2 Individual Names on File
Last Sale	$557,000 (Jul 2026)
Tax Bill	$6,018 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`500391-0-440`

Property Details

APN / Parcel Number

Primary APN	`500391-0-440`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	3,020 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	4,842 sqft (0.111 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2124 197TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	SECTION 03 TOWNSHIP 18 RANGE 03 QUARTER 14 PLAT SOUTHWIND PDD LOT 44 TOG/W UND INT IN TRS A1, A2, C & D EASE OF RECORD OUT OF 03-18-03-1-021 SEG 2007-0932 JU 5/16/07MC
Legal Range	03
Legal Township	18
Legal Section	03
Legal Subdivision	SOUTHWIND PDD
Legal Lot Number	44
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1006
Census Tract	71411

Owner

2124 197th St Ct E is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME LENDING
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA ST BK
May 20, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Mar 6, 2017 · Amount on File
Deed Document Number	2026173
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Jul 14, 2026
Property Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Document Number	0000000173
Instrument Date	Jul 8, 2026
Instrument	2026173
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$905,929.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845

Mortgage

Document Number	0000000174,
Date	Jul 14, 2026
Instrument	202614174

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011120542
Date	Nov 12, 2021
Instrument	202111120542

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Document Number	2004140895
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 197TH STREET CT E SPANAWAY WA 983871845, SPANAWAY, WA 98387-1845

Mortgage

Document Number	2004140895
Date	Apr 14, 2020
Instrument	202004140895

Lender

Name	COLUMBIA ST BK
Type	Bank
Address	TACOMA, WA 98402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Document Number	1907230262
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 197TH STREET CT E SPANAWAY WA 983871845, SPANAWAY, WA 98387-1845

Mortgage

Document Number	1907230262
Date	Jul 23, 2019
Instrument	201907230262

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Mar 6, 2017
Property Address	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845
Document Number	0003060187
Map Reference	DOC200705045012
Instrument Date	Feb 23, 2017
Instrument	201703060187
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,429.00
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	2124 197TH STREET CT E, SPANAWAY, WA 98387-1845

Mortgage

Document Number	0003060188
Date	Mar 6, 2017
Instrument	201703060188

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2124 197th St Ct E was $6,018, up 0.9% 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	$6,018.00 (+0.87%)	$536,600 (+0.39%) Land $143,700 Building $392,900	$536,600 (+0.39%) Land $143,700 Building $392,900
2025	$5,966.00 (+3.56%)	$534,500 (+8%) Land $150,400 Building $384,100	$534,500 (+8%) Land $150,400 Building $384,100
2024	$5,761.00 (-2.5%)	$494,900 (-4.29%) Land $150,400 Building $344,500	$494,900 (-4.29%) Land $150,400 Building $344,500
2023	$5,909.00	$517,100 Land $142,600 Building $374,500	$517,100 Land $142,600 Building $374,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2124 197th St Ct 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 2124 197th St Ct 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 95% of the US · lower than 97.1% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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