712 E 86th St, Tacoma, WA 98445 Property Records

Pierce County property record for 712 E 86th St, Tacoma, WA 98445

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,758 sqft · built 1976
Lot Size	0.14 acres (6,090 sqft)
Owner	2 Individual Names on File
Last Sale	$124,483 (Aug 2000)
Tax Bill	$4,353 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit May 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`901900-0-030`

Property Details

APN / Parcel Number

Primary APN	`901900-0-030`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,758 sqft Living Area
1st Floor Area	528 sqft
Upper Floors Area	894 sqft
Basement Area	864 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1992
Architectural Style	Split Foyer
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,090 sqft (0.14 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	712 E 86TH ST
City	TACOMA
State	WA
Zip	98445-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SECTION 33 TOWNSHIP 20 RANGE 03 QUARTER 14 TERRA FIRMA: TERRA FIRMA L 3 SEG J 0483 HB
Legal Range	03
Legal Township	20
Legal Section	33
Legal Subdivision	TERRA FIRMA
Legal Lot Number	3
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	3
Census Block	3001
Census Tract	63402

Owner

712 E 86th St is owned and occupied by two individuals who bought it in August 2000.

Source: Pierce County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	712 E 86TH ST, TACOMA, WA 98445-1908
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

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 17, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage ON Q FIN'L
Jul 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2000 · Amount on File
Deed Sale	Aug 28, 2000 · Amount on File
Deed Document Number	2000751
Prior Transfer Date	Apr 5, 1999
Prior Transfer Doc	0000000477
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	712 E 86TH ST, TACOMA, WA 98445-1908
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008230002
Date	Aug 23, 2022
Instrument	202208230002

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	712 E 86TH ST, TACOMA, WA 98445-1908
Document Number	1907120079
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	712 E 86TH ST TACOMA WA 984451908, TACOMA, WA 98445-1908

Mortgage

Document Number	1907120079
Date	Jul 12, 2019
Instrument	201907120079

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	712 E 86TH ST, TACOMA, WA 98445-1908
Document Number	1711200281
Instrument Date	Nov 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	TICOR TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	712 E 86TH ST TACOMA WA 984451908, TACOMA, WA 98445-1908

Mortgage

Document Number	1711200281
Date	Nov 20, 2017
Instrument	201711200281

Lender

Name	ON Q FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	712 E 86TH ST, TACOMA, WA 98445-1908
Document Number	1707190402
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E 86TH ST TACOMA WA 984451908, TACOMA, WA 98445-1908

Mortgage

Document Number	1707190402
Date	Jul 19, 2017
Instrument	201707190402

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 712 E 86th St was $4,353, down 1.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Pierce County
Municipality	Tacoma City
Unified School District	Tacoma Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,353.00 (-1.09%)	$398,700 Land $158,300 Building $240,400	$398,700 Land $158,300 Building $240,400
2025	$4,401.00 (+5.82%)
2024	$4,159.00 (+4.42%)	$373,400 (-2.61%) Land $163,500 Building $209,900	$373,400 (-2.61%) Land $163,500 Building $209,900
2023	$3,983.00	$383,400 Land $154,200 Building $229,200	$383,400 Land $154,200 Building $229,200

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

Flood

FEMA maps place 712 E 86th St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 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 712 E 86th St 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	CITY OF TACOMA WATER DIVISION serves 446,245 people · EPA ID WA5386800
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 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 329 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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