2430 186th Ave E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 2430 186th Ave E, Lake Tapps, WA 98391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,316 sqft · built 2019
Lot Size	0.43 acres (18,737 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jul 2002)
Tax Bill	$15,841 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`507500-0-770`

Property Details

APN / Parcel Number

Primary APN	`507500-0-770`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	3,316 sqft Living Area
Gross Area	4,082 sqft
1st Floor Area	1,388 sqft
Upper Floors Area	364 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,737 sqft (0.43 acres)
Terrain	Low
View / Lot	Lake Front
Garage Type	Attached
Garage Area	766 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	330 sqft
Deck Area	754 sqft
Patio Area	754 sqft
Storage Building	128 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2430 186TH AVE E
City	LAKE TAPPS
State	WA
Zip	98391-6469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 09 TOWNSHIP 20 RANGE 05 QUARTER 31 LAKE TAPPS TACOMA POINT: LAKE TAPPS TACOMA POINT PART OF L 3 & 4 B 2 COM AT MOST WLY COR OF L 3 IN B 2 TH ELY ALG NLY LI SD L 3 A DIST OF 70 FT TO POB TH WLY ALG NLY LI OF L 3 & 4 A DIST OF 100 FT TH S 07 DE
Legal Range	05
Legal Township	20
Legal Section	09
Legal Subdivision	LAKE TAPPS TACOMA POINT
Legal Block	2
Legal Lot Number	3
Jurisdiction	PIERCE WA
Township / Civil Division	PUYALLUP
Census Block Group	4
Census Block	4009
Census Tract	70315

Owner

2430 186th Ave E is owned and occupied by two individuals who acquired it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469
Occupancy	Owner Occupied
Owner Type	Individual

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 26, 2021	Intrafamily Transfer, Transfer · Line of Credit CMG MORTGAGE INC
Feb 26, 2021	Intrafamily Transfer, Transfer · Line of Credit CMG MORTGAGE INC
Apr 29, 2019	Deed of Trust, Mortgage · Line of Credit BOEING EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2002 · Amount on File
Deed Sale	Jul 12, 2002 · Amount on File
Deed Document Number	2002142
Last Transfer Date	Feb 11, 2021
Transfer Doc	0000001322
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PIERCE WA
Recording Date	Feb 26, 2021
Property Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469
Document Number	0002261322
Map Reference	MB 17 PG 1-8
Instrument Date	Feb 11, 2021
Instrument	202102261322
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469

Mortgage

Document Number	0002261323
Date	Feb 26, 2021
Instrument	202102261323

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PIERCE WA
Recording Date	Feb 26, 2021
Property Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469
Document Number	0000001322
Map Reference	MB 17 PG 1-8
Instrument Date	Feb 11, 2021
Instrument	202102261322
Transaction Type	Transfer
Record Updated	Mar 10, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469

Mortgage

Document Number	0000001323
Date	Feb 26, 2021
Instrument	202102261323

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	2430 186TH AVE E, LAKE TAPPS, WA 98391-6469
Document Number	1905090110
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2430 186TH AVE E LAKE TAPPS WA 983916469, LAKE TAPPS, WA 98391-6469

Mortgage

Document Number	1905090110
Date	May 9, 2019
Instrument	201905090110

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	SEATTLE, WA 98124-9750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 8, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2430 186th Ave E was $15,841, down 2.3% 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	$15,841.00 (-2.25%)	$1,502,700 Land $684,700 Building $818,000	$1,502,700 Land $684,700 Building $818,000
2025	$16,206.00 (+7.49%)
2024	$15,077.00 (+11.28%)	$1,507,600 (+9.8%) Land $802,200 Building $705,400	$1,507,600 (+9.8%) Land $802,200 Building $705,400
2023	$13,549.00	$1,373,100 Land $739,700 Building $633,400	$1,373,100 Land $739,700 Building $633,400

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

Flood

FEMA maps place 2430 186th Ave E in Zone X, an area of minimal flood risk, within 100 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 100 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

The area around 2430 186th Ave E has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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