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5128 N 39th Street, Tacoma, WA, 98407

2beds
1baths
752sqft
$444,950
$592price/sqft
$2,886/moest. monthly cost
$115,440/yrincome needed

About This Home

Updated North Tacoma home with a true street-facing presence and the feel of a traditional single-family residence, paired with the efficiency of low-maintenance ownership. Positioned at the front of a thoughtfully designed 3-home community, this home stands apart with its own defined entry, private yard space, and a layout that lives independently from the rest of the property. Extensive improvements include new siding, roof and venting, updated plumbing, upgraded electrical with GFCI protection, a remodeled bathroom, and refreshed interior finishes including flooring, doors, and millwork. The kitchen features quartz countertops and stainless steel appl The floor plan is simple and functional, with natural light and an easy flow between living, kitchen, and outdoor space. A private, individually fenced outdoor space that is fully usable and offers a level of privacy uncommon at this price point. 1 dedicated off-street parking space accessed via the alley. Low HOA dues of approximately $120 per month cover the master insurance policy and shared common elements including driveway, walkway, parking, and garbage, keeping ownership straightforward without sacrificing independence. Seller to provide landscaping service through 9/1. Preferred lender offering approximately $5,000 in closing cost savings for qualified buyers with upfront underwriting available. Located next to Jane Clark Park and just minutes from Proctor, Point Ruston, and Point Defiance.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

7/10
4/10
Truman Middle SchoolGrades 6-80.4 mi
4/10

Construction

Condition

  • Year built: 1943

Materials

  • Roof: Composition
  • Construction materials: Cement/Concrete,Wood Products

Type & Style

  • Home type: Condo
  • Architectural style: Condo (1 Level)
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Gas,Water Heater Location: Hall Closet,Cooking-Gas,Dryer-Electric
  • Laundry features: Electric Dryer Hookup

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Flooring: Vinyl Plank,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 752
  • Total interior livable area: 752 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 6685000240
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Cooking-Gas,Dryer-Electric,Fireplace,Ground Floor,Water Heater

Lot

  • Features: Curbs,Paved

Parking

  • Total spaces: 1
  • Parking features: Off Street
  • Uncovered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Heat Wave

FEMA Declared Disasters in Pierce County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,249$26,988
Home Insurance *$100$1,200
Property Taxes $388$4,656
Electricity $149$1,793
Total$2,886$34,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,948/yr
40% on housing$86,580/yr
45% on housing$76,960/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.9%
9.9%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$592This listing

vs Other Active Listings

Avg $/sqft

ZIP 98407$348
Pierce County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 98407$347
Pierce County$312

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-12Price change$474,950
2026-04-09Listed for sale$499,950
2025-04-21Sold$450,000
2025-03-17Pending sale$450,000
2025-03-11Listed for sale$450,000

For Sale by Agent

AgentChristopher Dunayski
BrokerageWilcox Real Estate

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