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  5. 185th Ave E

4440 185th Ave E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 4440 185th Ave E, Lake Tapps, WA 98391

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 4,731 sqft · built 1999
Lot Size0.397 acres (17,274 sqft)
Owner2 Individual Names on File
Last Sale$989,719 (Aug 2017)
Tax Bill$22,187 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN503800-0-310

Property Details

APN / Parcel Number

Primary APN503800-0-310

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures21 Plumbing Fixtures
Stories1 Story
Building Area4,731 sqft Living Area
Gross Area5,862 sqft
1st Floor Area2,338 sqft
Basement Area2,393 sqft
Finished Basement2,393 sqft
Laundry RoomLaundry Room
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area17,274 sqft (0.397 acres)
Lot Width80 ft Width
TerrainLow
View / LotLake Front
Garage TypeAttached
Garage Area1,131 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchOpen Slab
Porch Area1,694 sqft
Deck Area724 sqft
Patio Area724 sqft
Shed1 Shed
Shed Area2,393 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address4440 185TH AVE E
CityLAKE TAPPS
StateWA
Zip98391-9112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10
Legal DescriptionSECTION 16 TOWNSHIP 20 RANGE 05 QUARTER 32 LAKE TAPPS BANKERS ISLAND # 1: LAKE TAPPS BANKERS ISLAND # 1 L 31 EASE & RESERVATION OF RECORD
Legal Range05
Legal Township20
Legal Section16
Legal SubdivisionLAKE TAPPS BANKERS ISLAND # 1
Legal Lot Number31
Legal Unit1
JurisdictionPIERCE WA
Township / Civil DivisionPUYALLUP
Census Block Group2
Census Block2020
Census Tract70314

Owner

4440 185th Ave E is owned and occupied by two individuals who bought it in August 2017.

Source: Pierce County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address4440 185TH AVE E, LAKE TAPPS, WA 98391-9112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 19, 2020Deed of Trust, Mortgage
FAIRWAY INDEPENDENT MTG
Aug 29, 2017Intrafamily Transfer, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2017 · Amount on File
Deed SaleAug 29, 2017 · Amount on File
Prior SaleMay 8, 2015 · Amount on File
Deed Document Number2017758
Prior Transfer DateOct 9, 2006
Prior Transfer Doc0000000777
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPIERCE WA
Property Address4440 185TH AVE E, LAKE TAPPS, WA 98391-9112
Document Number2011240699
Instrument DateNov 19, 2020
Transaction TypeMortgage
Record UpdatedDec 7, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4440 185TH AVE E LAKE TAPPS WA 983919112, LAKE TAPPS, WA 98391-9112

Mortgage

Document Number2011240699
DateNov 24, 2020
Instrument202011240699
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
AmountAmount on Record
Term360 Months
DueNov 23, 2050

August 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPIERCE WA
Recording DateAug 29, 2017
Property Address4440 185TH AVE E, LAKE TAPPS, WA 98391-9112
Document Number0008290758
Map ReferenceMB40 PG12&13
Instrument DateAug 24, 2017
Instrument201708290758
Transaction TypeTransfer
Record UpdatedSep 17, 2021
Title CompanyPUGET SOUND TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$17,622.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4440 185TH AVE E, LAKE TAPPS, WA 98391-9112

Mortgage

Document Number0008290759
DateAug 29, 2017
Instrument201708290759
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4440 185th Ave E was $22,187, up 21% from the year before.

Source: Pierce County assessment roll, as of July 15, 2026

Property Jurisdictions

TypeName
StateWashington
CountyPierce County
Unified School DistrictSumner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,050,700 Land $798,800 Building $1,251,900$2,050,700 Land $798,800 Building $1,251,900
2025$22,187.00 (+21%)
2024$18,337.00 (-0.1%)$1,746,500 (-3.46%) Land $748,300 Building $998,200$1,746,500 (-3.46%) Land $748,300 Building $998,200
2023$18,356.00$1,809,100 Land $802,600 Building $1,006,500$1,809,100 Land $802,600 Building $1,006,500

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

Flood

FEMA maps place 4440 185th 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims3 (1996–2012)
Claims Outside the SFHA2 of 3
Most Recent ClaimJan 2012 · rainfall accumulation

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 4440 185th 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 RiskNot 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 SystemBONNEY LAKE WATER DEPARTMENT CITY
serves 43,371 people · EPA ID WA5307650
Water SourcePurchased surface water from CITY OF TACOMA WATER DIVISION
Last State InspectionOct 2021
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 203 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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