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20322 86th Avenue Ct E, Spanaway, WA, 98387

3beds
3baths
1,664sqft
$512,500
$308price/sqft
$3,339/moest. monthly cost
$133,560/yrincome needed

About This Home

Nestled on a quiet cul-de-sac in the highly sought-after Thomas Springs neighborhood, this inviting home offers spacious living and timeless comfort. Vaulted ceilings and abundant natural light create a warm, welcoming atmosphere from the moment you enter. The main level features a bright living room overlooking the spacious covered front porch, while the kitchen and adjoining dining area flow seamlessly into the cozy family room with a gas fireplace. Step outside to the large, fully fenced backyard—perfect for entertaining, gatherings, or creating your dream garden retreat. Upstairs, the spacious primary suite includes a walk-in closet and luxurious five-piece bath.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
Graham Elementary SchoolGrades K-50.9 mi
5/10
Liberty Middle SchoolGrades 6-80.7 mi
7/10

Construction

Condition

  • Property condition: Good
  • Year built: 1998

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Siding,Wood Products

Notable Dates

  • Major remodel year: 1998

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Tri-Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Microwave(s),Refrigerator(s),Water Heater: gas,Water Heater Location: garage

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room,Pantry
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Ceramic Tile,Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Lower Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,664
  • Total interior livable area: 1,664 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Lower

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 6021930260
  • Zoning: SF
  • Zoning description: Jurisdiction: County
  • Special condition: Standard
  • Other equipment: Leased Equipment: none

Features

  • Levels: Three Or More
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Pantry,Skylight(s),Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level
  • Residential vegetation: Garden Space

Lot

  • Lot size: 8,973 sqft
  • Features: Cul-De-Sac,Paved,Cable TV,Fenced-Fully,Gas Available,Outbuildings,Patio
  • Lot size dimensions: 149 x 90

Parking

  • Total spaces: 4
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Uncovered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
    EarthquakeModerate
  • 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 $2,591$31,092
Home Insurance *$130$1,560
Property Taxes $469$5,628
Electricity $149$1,793
Total$3,339$40,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,480/yr
40% on housing$100,170/yr
45% on housing$89,040/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

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 98387$258
Pierce County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 98387$282
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
2026-07-20Price change$512,500
2026-06-22Price change$517,500
2026-05-28Listed for sale$525,000
2026-02-26Listing removed$2,860
2026-02-24Listed for rent$2,860
2024-02-16Listing removed--
2024-01-20Price change$2,605
2024-01-11Listed for rent$2,705
2022-06-01Sold$455,153
2021-08-30Sold$427,500
2021-07-27Pending sale$419,950
2021-07-21Listed for sale$419,950
2018-03-30Sold$289,000
2002-04-26Sold$164,950
1998-09-17Sold$137,950

For Sale by Agent

AgentBernadette Schuster
BrokerageeXp Realty

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