Thurston County property record for 7646 Tern Ct SE, Olympia, WA 98513
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,578 sqft · built 1991 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Dec 2021) |
| Tax Bill | $117 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7808-00-40600 |
| Primary APN | 7808-00-40600 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Finished Area |
| 1st Floor Area | 890 sqft |
| 2nd Floor Area | 688 sqft |
| Upper Floors Area | 688 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Built-in |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 114 sqft |
| Deck Area | 380 sqft |
| Patio Area | 380 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 7646 TERN CT SE |
|---|---|
| City | OLYMPIA |
| State | WA |
| Zip | 98513-5541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION 11 TOWNSHIP 17 RANGE 1W QUARTER NW SW PLAT SUNWOOD LAKES DIV 4 LT 406 DOCUMENT 017/035 |
| Legal Range | 01W |
| Legal Township | 17N |
| Legal Section | 11 |
| Legal Quarter | NW |
| Legal Subdivision | SUNWOOD LAKES |
| Legal Lot Number | 406 |
| Jurisdiction | THURSTON WA |
| Township / Civil Division | OLYMPIA EAST |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 12420 |
Source: Thurston County records · APN 7808-00-40600
Assessment roll updated January 1, 2026 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 7646 TERN CT SE, OLYMPIA, WA 98513-5541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TWINSTAR CU |
| Apr 07, 2017 | Deed of Trust, Mortgage · Line of Credit OBEE CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2021 · Amount on Record |
| Deed Sale | Dec 02, 2021 · Amount on Record |
| Prior Sale | Nov 28, 2012 |
| Deed Document Number | 4901260 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | THURSTON WA |
| Recording Date | Dec 02, 2021 |
| Property Address | 7646 TERN CT SE, OLYMPIA, WA 98513-5541 |
| Document Number | 0004901260 |
| Map Reference | VOL 17 PG 35&36 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 4901260 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,200.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7646 TERN CT SE, OLYMPIA, WA 98513-5541 |
| Document Number | 0004901261 |
|---|---|
| Date | Dec 02, 2021 |
| Instrument | 4901261 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | THURSTON WA |
| Property Address | 7646 TERN CT SE, OLYMPIA, WA 98513-5541 |
| Document Number | 0004750104 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7646 TERN CT SE OLYMPIA WA 985135541, OLYMPIA, WA 98513-5541 |
| Document Number | 0004750104 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 4750104 |
| Name | TWINSTAR CU |
|---|---|
| Type | Credit Union |
| Address | LACEY, WA 98503 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | THURSTON WA |
| Property Address | 7646 TERN CT SE, OLYMPIA, WA 98513-5541 |
| Document Number | 0004558250 |
| Instrument Date | Apr 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2017 |
| Title Company | THURSTON COUNTY TITLE COMPANY, THURSTON COUNTY TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7646 TERN CT SE OLYMPIA WA 985135541, OLYMPIA, WA 98513-5541 |
| Document Number | 0004558250 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 4558250 |
| Name | OBEE CU |
|---|---|
| Type | Credit Union |
| Address | TUMWATER, WA 98501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 11, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Thurston County records · Assessment roll updated January 1, 2026 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Thurston County |
| Unified School District | Yelm Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $117.00 (-96.82%) | ||
| 2025 | $440,500 (+10.71%) Land $171,800 Building $268,700 | $440,500 (+10.71%) Land $171,800 Building $268,700 | |
| 2023 | $3,681.00 | ||
| 2022 | $397,900 Land $96,500 Building $301,400 | $397,900 Land $96,500 Building $301,400 |
Source: FEMA National Flood Hazard Layer as of May 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 20 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUNWOOD LAKES HOMEOWNERS ASSOC INC private · serves 925 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2022 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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