4456 185th Ave E, Lake Tapps (Bonney Lake), WA 98391 Property Records

Pierce County property record for 4456 185th Ave E, Lake Tapps, WA 98391

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.75 ba · 2,378 sqft · built 1973
Lot Size	0.395 acres (17,195 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,853 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`503800-0-350`

Property Details

APN / Parcel Number

Primary APN	`503800-0-350`

Interior

Bedrooms	2 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,378 sqft Living Area
Gross Area	2,938 sqft
1st Floor Area	1,860 sqft
Attic	Attic
Attic Area	518 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,195 sqft (0.395 acres)
Lot Width	75 ft Width
Terrain	Low
View / Lot	Lake Front
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Wood Porch
Porch Area	336 sqft
Deck Area	1,395 sqft
Patio Area	1,395 sqft
Shed	1 Shed
Shed Area	518 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4456 185TH AVE E
City	LAKE TAPPS
State	WA
Zip	98391-9112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	SECTION 16 TOWNSHIP 20 RANGE 05 QUARTER 32 LAKE TAPPS BANKERS ISLAND # 1: LAKE TAPPS BANKERS ISLAND # 1 L 35 EASE & RESERVATION OF RECORD
Legal Range	05
Legal Township	20
Legal Section	16
Legal Subdivision	LAKE TAPPS BANKERS ISLAND # 1
Legal Lot Number	35
Legal Unit	1
Jurisdiction	PIERCE WA
Township / Civil Division	PUYALLUP
Census Block Group	2
Census Block	2020
Census Tract	70314

Owner

4456 185th Ave E is owned and occupied by two individuals who acquired it in December 1993.

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

Owner of Record	2 Individual Names on File
Mailing Address	4456 185TH AVE E, LAKE TAPPS, WA 98391-9112
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 8, 1993
Transfer Doc	0000000440
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	4456 185TH AVE E, LAKE TAPPS, WA 98391-9112
Document Number	1904080919
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4456 185TH AVE E LAKE TAPPS WA 983919112, LAKE TAPPS, WA 98391-9112

Mortgage

Document Number	1904080919
Date	Apr 8, 2019
Instrument	201904080919

Lender

Name	SEATTLE CU
Address	SEATTLE, WA 98134

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 7, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4456 185th Ave E was $13,853, up 134.8% 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	Sumner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,238,400 Land $792,800 Building $445,600	$1,238,400 Land $792,800 Building $445,600
2025	$13,853.00 (+134.8%)
2024	$5,900.00 (-50.87%)	$1,118,400 (-5.05%) Land $739,700 Building $378,700	$1,118,400 (-5.05%) Land $739,700 Building $378,700
2023	$12,008.00	$1,177,900 Land $793,300 Building $384,600	$1,177,900 Land $793,300 Building $384,600

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

Flood

FEMA maps place 4456 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1996–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 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 4456 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 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 203 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