903 197th St Ct E, Spanaway, WA 98387 Property Records

Pierce County property record for 903 197th St Ct E, Spanaway, WA 98387

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,918 sqft · built 1992
Lot Size	0.956 acres (41,621 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Nov 2021)
Tax Bill	$6,350 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`500053-0-030`

Property Details

APN / Parcel Number

Primary APN	`500053-0-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,918 sqft Living Area
Gross Area	2,418 sqft
1st Floor Area	1,918 sqft
Laundry Room	Laundry Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	41,621 sqft (0.956 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Deck Area	308 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	903 197TH STREET CT E
City	SPANAWAY
State	WA
Zip	98387-8028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSF
Legal Description	SECTION 03 TOWNSHIP 18 RANGE 03 QUARTER 23 LEGEND PARK L 3 EASE OF RECORD OUT OF 2-004 & 2-005 SEG C0590NF 3/24/92BO
Legal Range	03
Legal Township	18
Legal Section	03
Legal Subdivision	LEGEND PARK
Legal Lot Number	3
Jurisdiction	PIERCE WA
Township / Civil Division	TACOMA
Census Block Group	3
Census Block	3005
Census Tract	71411

Owner

903 197th St Ct E is owned and occupied by an individual who bought it in November 2021.

Source: Pierce County records, as of July 15, 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 Record	Individual Name on File
Mailing Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 23, 2021	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Nov 23, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
May 15, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FIN'L
Jan 10, 2019	Deed of Trust, Mortgage · VA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Jun 8, 2015 · Amount on File
Deed Document Number	20211304
Prior Transfer Date	Nov 22, 2021
Prior Transfer Doc	0000001388
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003170382
Date	Mar 17, 2021
Instrument	202103170382

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PIERCE WA
Recording Date	Nov 23, 2021
Property Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Document Number	0011231388
Map Reference	DOC 920109387
Instrument Date	Nov 22, 2021
Instrument	202111231388
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WA
Recording Date	Nov 23, 2021
Property Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Document Number	0011231304
Map Reference	DOC 920109387
Instrument Date	Nov 22, 2021
Instrument	202111231304
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$7,984.00
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	903 197TH STREET CT E, SPANAWAY, WA 98387-8028

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Document Number	2005270743
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 197TH STREET CT E SPANAWAY WA 983878028, SPANAWAY, WA 98387-8028

Mortgage

Document Number	2005270743
Date	May 27, 2020
Instrument	202005270743

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WA
Property Address	903 197TH STREET CT E, SPANAWAY, WA 98387-8028
Document Number	1901150262
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 25, 2019
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 197TH STREET CT E SPANAWAY WA 983878028, SPANAWAY, WA 98387-8028

Mortgage

Document Number	1901150262
Date	Jan 15, 2019
Instrument	201901150262

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 903 197th St Ct E was $6,350, up 1.8% 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	Bethel School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$572,700 Land $234,400 Building $338,300	$572,700 Land $234,400 Building $338,300
2025	$6,350.00 (+1.8%)
2024	$6,238.00 (-0.87%)	$544,400 (-2.3%) Land $245,300 Building $299,100	$544,400 (-2.3%) Land $245,300 Building $299,100
2023	$6,293.00	$557,200 Land $232,600 Building $324,600	$557,200 Land $232,600 Building $324,600

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

Flood

FEMA maps place 903 197th St Ct E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 27, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 903 197th St Ct E is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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	SPANAWAY WATER COMPANY private · serves 34,506 people · EPA ID WA5382850
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20

May also be available: Verizon.

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