915 Bowker St SE, Lacey, WA 98503 Property Records

Thurston County property record for 915 Bowker St SE, Lacey, WA 98503

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,564 sqft · built 1893
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Dec 2019)
Tax Bill	$62 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3100-00-01601`

Property Details

APN / Parcel Number

Primary APN	`3100-00-01601`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,564 sqft Finished Area
1st Floor Area	1,148 sqft
2nd Floor Area	364 sqft
Upper Floors Area	416 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.719 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	68 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	915 BOWKER ST SE
City	LACEY
State	WA
Zip	98503-1211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADAMS ACRE TR 16 S 191 F
Legal Range	01W
Legal Township	18N
Legal Section	21
Legal Quarter	NE
Legal Subdivision	ADAMS JM ACRE TRACTS
Legal Tract	16
Legal Lot Number	16
Jurisdiction	THURSTON WA
Township / Civil Division	OLYMPIA
Census Block Group	3
Census Block	3040
Census Tract	11200

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	915 BOWKER ST SE, LACEY, WA 98503-1211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 21, 2022	Deed of Trust, Mortgage · Line of Credit O BEE CU
Dec 26, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Deed Document Number	4727774
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	THURSTON WA
Recording Date	Jul 20, 2026
Property Address	915 BOWKER ST SE, LACEY, WA 98503-1211
Document Number	0005108772
Instrument Date	Jul 20, 2026
Instrument	20265108772
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	THURSTON COUNTY TITLE COMPANY, THURSTON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 BOWKER ST SE, LACEY, WA 98503-1211

Mortgage

Document Number	0005108772,
Date	Jul 20, 2026
Instrument	20265108772

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	THURSTON WA
Property Address	915 BOWKER ST SE, LACEY, WA 98503-1211
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	THURSTON COUNTY TITLE COMPANY, THURSTON COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004955993
Date	Oct 21, 2022
Instrument	4955993

Lender

Name	O BEE CU
Type	Credit Union
Address	LACEY, WA 98509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	THURSTON WA
Recording Date	Dec 26, 2019
Property Address	915 BOWKER ST SE, LACEY, WA 98503-1211
Document Number	0004727774
Map Reference	VOL 5 PG 57
Instrument Date	Dec 24, 2019
Instrument	4727774
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	THURSTON COUNTY TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,827.00
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	915 BOWKER ST SE, LACEY, WA 98503-1211

Mortgage

Document Number	0004727775
Date	Dec 26, 2019
Instrument	4727775

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Thurston County
Municipality	Lacey City
Unified School District	North Thurston Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$62.00 (-97.76%)
2025		$436,600 (+52.87%) Land $138,700 Building $297,900	$436,600 (+52.87%) Land $138,700 Building $297,900
2023	$2,769.00
2022		$285,600 Land $105,800 Building $179,800	$285,600 Land $105,800 Building $179,800

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.6% 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	LACEY WATER DEPARTMENT serves 105,178 people · EPA ID WA5343500
Water Source	Groundwater
Last State Inspection	Aug 2022

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Ziply Fiber.

Nearby Properties on Bowker St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures