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646 Memory Ct SE, Olympia, WA 98513 Property Records

Thurston County property record for 646 Memory Ct SE, Olympia, WA 98513

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,792 sqft · built 1991
Lot Size0.5 acres (21,780 sqft)
OwnerIndividual Name on Record
Last Sale$294,719 (Sep 2017)
Tax Bill$305 (2026)
Deeds & MortgagesSep 2017 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN8125-00-01801

Property Details

APN / Parcel Number

Primary APN8125-00-01801

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,792 sqft Finished Area
1st Floor Area2,368 sqft
FlooringCarpet
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1994
Architectural StyleRanch
Exterior MaterialWood
Foundation TypeConcrete
Roof TypeGable
Roof MaterialWood Shingle
Lot Area21,780 sqft (0.5 acres)
Garage Area576 sqft
Deck Area432 sqft
Patio Area432 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemSpace Heater
Heating FuelElectric

Location & Zoning

Street Address646 MEMORY CT SE
CityOLYMPIA
StateWA
Zip98513-9606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECTION 08 TOWNSHIP 18 RANGE 1E QUARTER SE SW PLAT VALLEY ACRES RANCHETTES DIV 1 PTN LT 18 DOCUMENT 014/085 LY WLY OF LINE RU
Legal Range01E
Legal Township18N
Legal Section08
Legal SubdivisionVALLEY ACRES RANCHETTES
Legal Lot Number18
JurisdictionTHURSTON WA
Township / Civil DivisionOLYMPIA EAST
Census Block Group3
Census Block3008
Census Tract12320

Owner

Source: Thurston County records, as of March 11, 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 RecordIndividual Name on Record
Mailing Address646 MEMORY CT SE, OLYMPIA, WA 98513-9606
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 22, 2017 · Amount on Record
Deed SaleSep 22, 2017 · Amount on Record
Deed Document Number4587667
Record UpdatedJun 8, 2026

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionTHURSTON WA
Recording DateSep 22, 2017
Property Address646 MEMORY CT SE, OLYMPIA, WA 98513-9606
Document Number0004587667
Instrument DateSep 19, 2017
Instrument4587667
Transaction TypeTransfer
Record UpdatedAug 25, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,251.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address646 MEMORY CT SE OLYMPIA WA 985139606, OLYMPIA, WA 98513-9606

Mortgage

Document Number4587668
DateSep 22, 2017
Instrument4587668
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 21, 2047

Tax Assessment & Valuation

Source: Thurston County assessment roll, as of January 1, 2026

Property Jurisdictions

TypeName
StateWashington
CountyThurston County
Unified School DistrictNorth Thurston Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$305.00 (-93.1%)
2025$541,300 (+25.77%) Land $143,800 Building $397,500$541,300 (+25.77%) Land $143,800 Building $397,500
2023$4,421.00
2022$430,400 Land $112,000 Building $318,400$430,400 Land $112,000 Building $318,400

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 May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 87 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies87 in force
Nearby Flood Claims12 (1996–2020)
Most Recent ClaimFeb 2020 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 11 claims

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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

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