403 189th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 403 189th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,432 sqft · built 1984
Lot Size	0.219 acres (9,546 sqft)
Owner	2 Individual Names on File
Last Sale	$456,000 (Apr 2024)
Tax Bill	$4,608 (2025)
Deeds & Mortgages	Apr 2024 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`786200-0-040`

Property Details

APN / Parcel Number

Primary APN	`786200-0-040`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,432 sqft Living Area
Gross Area	480 sqft
Upper Floors Area	464 sqft
Basement Area	280 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,546 sqft (0.219 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	403 189TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-8357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 33 TOWNSHIP 19 RANGE 03 QUARTER 44 SPRING WOOD L 4 EASE OF RECORD SEG P-6074 HB EMS
Legal Range	03
Legal Township	19
Legal Section	33
Legal Subdivision	SPRING WOOD
Legal Lot Number	4
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1002
Census Tract	71417

Owner

Source: Pierce County assessment roll, 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 File
Mailing Address	403 189TH STREET CT E, SPANAWAY, WA 98387-8357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Deed Document Number	2024260
Prior Transfer Date	Sep 30, 1997
Prior Transfer Doc	0000000206
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	403 189TH STREET CT E, SPANAWAY, WA 98387-8357
Transaction Type	Mortgage
Record Updated	May 16, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14026 24TH AVE S, SEATAC, WA 98168-3820

Mortgage

Document Number	0004300261
Date	Apr 30, 2024
Instrument	202404300261

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	403 189TH STREET CT E, SPANAWAY, WA 98387-8357
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	AEGIS LAND TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005030435
Date	May 3, 2021
Instrument	202105030435

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

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		$406,300 (+6.58%) Land $168,800 Building $237,500	$406,300 (+6.58%) Land $168,800 Building $237,500
2025	$4,608.00 (+2.77%)
2024	$4,484.00 (-2.84%)	$381,200 (-4.72%) Land $180,100 Building $201,100	$381,200 (-4.72%) Land $180,100 Building $201,100
2023	$4,615.00	$400,100 Land $173,800 Building $226,300	$400,100 Land $173,800 Building $226,300

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

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

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

May also be available: T-Mobile USA, Verizon.

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