7317 197th St E, Spanaway, WA 98387 Property Records

Pierce County property record for 7317 197th St E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.75 ba · 3,022 sqft · built 1994
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (May 2026)
Tax Bill	$9,067 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041805-6-018`

Property Details

APN / Parcel Number

Primary APN	`041805-6-018`

Interior

Bedrooms	3 Beds
Full Baths	3.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,022 sqft Living Area
Gross Area	3,540 sqft
Upper Floors Area	903 sqft
Attic	Attic
Attic Area	682 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Deck Area	589 sqft
Patio Area	589 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	7317 197TH ST E
City	SPANAWAY
State	WA
Zip	98387-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 05 TOWNSHIP 18 RANGE 04 QUARTER 23 : L 2 OF S P 86-04-04-0286 FORMERLY L 2 OF S P 78-569 TOG/W EASE & RESTRICTIONS OF RECORD OUT OF 6-002 SEG W-1428 PP ES (DC2489JR6-6-86)
Legal Range	04
Legal Township	18
Legal Section	05
Legal Subdivision	SP#8604040286
Legal Lot Number	2
Jurisdiction	PIERCE WA
Township / Civil Division	GRAHAM-THRIFT
Census Block Group	4
Census Block	4001
Census Tract	73128

Owner

7317 197th St E is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	7317 197TH ST E, SPANAWAY, WA 98387-5201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage KEYBANK USA
Apr 24, 2020	Deed of Trust, Mortgage · Line of Credit US BK
May 12, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	May 12, 2017 · Amount on File
Deed Document Number	2026163
Prior Transfer Date	Jun 9, 2025
Prior Transfer Doc	0000000531
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	May 28, 2026
Property Address	7317 197TH ST E, SPANAWAY, WA 98387-5201
Document Number	0000000163
Instrument Date	May 21, 2026
Instrument	2026163
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	RAINIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,513,586.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7317 197TH ST E, SPANAWAY, WA 98387-5201

Mortgage

Document Number	0000000164,
Date	May 28, 2026
Instrument	202628164

Lender

Name	KEYBANK USA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	7317 197TH ST E, SPANAWAY, WA 98387-5201
Document Number	2005210061
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7317 197TH # SPANAWAY WA 98387, SPANAWAY, WA 98387

Mortgage

Document Number	2005210061
Date	May 21, 2020
Instrument	202005210061

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 20, 2050

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	May 12, 2017
Property Address	7317 197TH ST E, SPANAWAY, WA 98387-5201
Document Number	0005120618
Map Reference	DOC8604040286
Instrument Date	May 9, 2017
Instrument	201705120618
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	F A T C O

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,344.11
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7317 197TH ST E, SPANAWAY, WA 98387-5201

Mortgage

Document Number	0005120619
Date	May 12, 2017
Instrument	201705120619

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 7317 197th St E was $9,067, down 0.1% 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	Bethel School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,067.00 (-0.09%)	$820,700 (-2.09%) Land $258,400 Building $562,300	$820,700 (-2.09%) Land $258,400 Building $562,300
2025	$9,075.00 (+0.06%)	$838,200 (+9.47%) Land $254,800 Building $583,400	$838,200 (+9.47%) Land $254,800 Building $583,400
2024	$9,070.00 (-2.94%)	$765,700 (-5.89%) Land $254,800 Building $510,900	$765,700 (-5.89%) Land $254,800 Building $510,900
2023	$9,345.00	$813,600 Land $234,800 Building $578,800	$813,600 Land $234,800 Building $578,800

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

Flood

FEMA maps place 7317 197th St E 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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 7317 197th St E 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	SOUTHWOOD private · serves 64,155 people · EPA ID WA5382844
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2021
Lead	2 ppb (2022–2024) 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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