2204 186th Ave E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 2204 186th Ave E, Lake Tapps, WA 98391

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.25 ba · 3,280 sqft · built 1973
Lot Size	0.562 acres (24,493 sqft)
Owner	2 Trust Names on File
Last Sale	$1,950,000 (Jan 2024)
Tax Bill	$17,925 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Mar 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`507500-0-900`

Property Details

APN / Parcel Number

Primary APN	`507500-0-900`

Interior

Bedrooms	5 Beds
Full Baths	4.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	3,280 sqft Living Area
Gross Area	4,956 sqft
1st Floor Area	476 sqft
Basement Area	930 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2006
Architectural Style	Split Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	24,493 sqft (0.562 acres)
Terrain	Low
View / Lot	Lake Front
Garage Type	Attached
Garage Area	1,676 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	927 sqft
Deck Area	352 sqft
Patio Area	898 sqft
Storage Building	140 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2204 186TH AVE E
City	LAKE TAPPS
State	WA
Zip	98391-6468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 09 TOWNSHIP 20 RANGE 05 QUARTER 24 LAKE TAPPS TACOMA POINT L 16 B 2
Legal Range	05
Legal Township	20
Legal Section	09
Legal Subdivision	LAKE TAPPS TACOMA POINT
Legal Block	2
Legal Lot Number	16
Jurisdiction	PIERCE WA
Township / Civil Division	PUYALLUP
Census Block Group	4
Census Block	4009
Census Tract	70315

Owner

2204 186th Ave E is owner-occupied and held in a trust since January 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jan 10, 2024	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Apr 29, 2020	Intrafamily Transfer, Transfer FATCO
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on File
Deed Sale	Jan 10, 2024 · Amount on File
Prior Sale	May 29, 2015 · Amount on File
Deed Document Number	202480
Prior Transfer Date	May 28, 2015
Prior Transfer Doc	0000000235
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002251061
Date	Feb 25, 2021
Instrument	202102251061

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98158

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468

Mortgage

Document Number	0003290314
Date	Mar 29, 2022
Instrument	202203290314

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Jan 10, 2024
Property Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468
Document Number	0001100080
Map Reference	VOL 17 PG 1-8
Instrument Date	Dec 20, 2023
Instrument	202401100080
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,012.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2204 186TH AVE E, LAKE TAPPS, WA 98391-6468

Mortgage

Document Number	0001100081
Date	Jan 10, 2024
Instrument	202401100081

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Feb 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	TO 2204 186TH AVE E, BONNEY LAKE, WA 98391
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001061
Date	Feb 25, 2021
Instrument	202102251061

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98158

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PIERCE WA
Recording Date	Apr 29, 2020
Property Address	TO 2204 186TH AVE E, BONNEY LAKE, WA 98391
Document Number	0004290240
Map Reference	VOL 17 PG 1-8
Instrument Date	Mar 26, 2020
Instrument	202004290240
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	FATCO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2204 186TH AVE E, 2204, LAKE TAPPS, WA 98391-6468

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	TO 2204 186TH AVE E, BONNEY LAKE, WA 98391
Document Number	2003310204
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2204 186TH AVE E LAKE TAPPS WA 983916468, LAKE TAPPS, WA 98391-6468

Mortgage

Document Number	2003310204
Date	Mar 31, 2020
Instrument	202003310204

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2204 186th Ave E was $17,925, up 5.7% 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	Dieringer School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,925.00 (+5.68%)	$1,687,700 Land $724,400 Building $963,300	$1,687,700 Land $724,400 Building $963,300
2025	$16,962.00 (+14.05%)
2024	$14,873.00 (+10.88%)	$1,470,000 (+9.53%) Land $846,600 Building $623,400	$1,470,000 (+9.53%) Land $846,600 Building $623,400
2023	$13,414.00	$1,342,100 Land $780,600 Building $561,500	$1,342,100 Land $780,600 Building $561,500

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

Flood

FEMA maps place 2204 186th Ave E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	3 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

Wildfire risk around 2204 186th 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 99.1% of the US · lower than 99.4% 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	BONNEY LAKE WATER DEPARTMENT CITY serves 43,371 people · EPA ID WA5307650
Water Source	Purchased surface water from CITY OF TACOMA WATER DIVISION
Last State Inspection	Oct 2021
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 143 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

May also be available: Skynet Broadband.

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