406 189th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 406 189th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,352 sqft · built 1985
Lot Size	0.219 acres (9,545 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`786200-0-120`

Property Details

APN / Parcel Number

Primary APN	`786200-0-120`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	1,352 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,545 sqft (0.219 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 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: SPRING WOOD L 12 EASE OF RECORD S 1/2 OF SE 33-19-03E APPROX 9545 SQ FT SEG P-6074 HB EMS
Legal Range	03
Legal Township	19
Legal Section	33
Legal Subdivision	SPRING WOOD
Legal Lot Number	12
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	1
Census Block	1002
Census Tract	71417

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	406 189TH STREET CT E, SPANAWAY, WA 98387-8357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	406 189TH STREET CT E, SPANAWAY, WA 98387-8357
Document Number	1906170283
Instrument Date	Jun 11, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 189TH STREET CT E SPANAWAY WA 983878357, SPANAWAY, WA 98387-8357

Mortgage

Document Number	1906170283
Date	Jun 17, 2019
Instrument	201906170283

Lender

Name	HARBORSTONE CU
Type	Credit Union
Address	TACOMA, WA 98438-0207

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 16, 2044

Interest

Rate Type	Adjustable Rate

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		$404,300 (+6.51%) Land $168,800 Building $235,500	$404,300 (+6.51%) Land $168,800 Building $235,500
2025	$4,580.00 (+2.69%)
2024	$4,460.00 (-2.85%)	$379,600 (-4.72%) Land $180,000 Building $199,600	$379,600 (-4.72%) Land $180,000 Building $199,600
2023	$4,591.00	$398,400 Land $173,800 Building $224,600	$398,400 Land $173,800 Building $224,600

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

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 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, Verizon.

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