4323 Clearwater Loop SE, Lacey, WA 98503 Property Records

Thurston County property record for 4323 Clearwater Loop SE, Lacey, WA 98503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 1977
Lot Size	0.246 acres (10,725 sqft)
Owner	2 Individual Names on File
Last Sale	$516,000 (Oct 2022)
Tax Bill	$10 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`82390012100`

Property Details

APN / Parcel Number

Primary APN	`82390012100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,595 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,595 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,725 sqft (0.246 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	214 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4323 CLEARWATER LOOP SE
City	LACEY
State	WA
Zip	98503-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD 0-4
Legal Description	SECTION 34 TOWNSHIP 18 RANGE 1W QUARTER SE NE PLAT WEDGEWOOD MANOR DIV 3 LT 121 DOCUMENT 019/065
Legal Range	01
Legal Township	18
Legal Section	34
Legal Subdivision	WEDGEWOOD MANOR
Legal Block	2
Legal Lot Number	121
Jurisdiction	THURSTON WA
Township / Civil Division	OLYMPIA
Census Block Group	2
Census Block	2016
Census Tract	11422

Owner

4323 Clearwater Loop SE is owned and occupied by two individuals who bought it in October 2022.

Source: Thurston County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 4, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 14, 2022	Warranty Deed, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Apr 21, 2022	Warranty Deed, Transfer · Commercial Mortgage BELLEVUE FUNDING LLC
Apr 21, 2022	Quit Claim Deed, Transfer NOT AVAILABLE, WFG WA NORTH RESWARE
Aug 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Apr 21, 2022 · Amount on File
Deed Document Number	20224955101
Prior Transfer Date	Mar 30, 1995
Prior Transfer Doc	0000000125
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	THURSTON WA
Property Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Transaction Type	Mortgage
Record Updated	Mar 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436

Mortgage

Document Number	0005007303
Date	Mar 4, 2024
Instrument	5007303

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	THURSTON WA
Recording Date	Oct 14, 2022
Property Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Document Number	0004955101
Map Reference	VOL 19 PG 65
Instrument Date	Oct 12, 2022
Instrument	4955101
Transaction Type	Transfer
Record Updated	Oct 20, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,284.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436

Mortgage

Document Number	0004955102
Date	Oct 14, 2022
Instrument	4955102

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	THURSTON WA
Recording Date	Apr 21, 2022
Property Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Document Number	0004927491
Map Reference	VOL 19 PG 65
Instrument Date	Apr 21, 2022
Instrument	4927491
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	NOT AVAILABLE, WFG WA NORTH RESWARE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37739 29TH PL S, FEDERAL WAY, WA 98003-7783

Mortgage

Document Number	0004927493
Date	Apr 21, 2022
Instrument	4927493

Lender

Name	BELLEVUE FUNDING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	THURSTON WA
Recording Date	Apr 21, 2022
Property Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Document Number	0004927492
Map Reference	OVL 19 PG 5
Instrument Date	Apr 18, 2022
Instrument	4927492
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	NOT AVAILABLE, WFG WA NORTH RESWARE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37739 29TH PL S, FEDERAL WAY, WA 98003-7783

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	THURSTON WA
Recording Date	Aug 24, 2017
Property Address	4323 CLEARWATER LOOP SE, LACEY, WA 98503-4436
Document Number	0004582373
Instrument Date	Jul 5, 2017
Instrument	4582373
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 4323 Clearwater Loop SE was $10.

Source: Thurston County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Thurston County
Municipality	Lacey City
Unified School District	North Thurston Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10.00
2025		$424,600 Land $152,100 Building $272,500	$424,600 Land $152,100 Building $272,500
2024	$3,754.00

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

Flood

FEMA maps place 4323 Clearwater Loop SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · 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	2 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 4323 Clearwater Loop SE 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	LACEY WATER DEPARTMENT serves 105,178 people · EPA ID WA5343500
Water Source	Groundwater
Last State Inspection	Aug 2022

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 238 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
CenturyLink DSL	140 / 20

May also be available: T-Mobile.

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