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Single Family ResidenceResidential
$434,726$293 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $440,000 on Feb 22, 2022

20220 WHITE ROCK LOOP SW

CENTRALIA, WA 98531
3
Beds
2
Baths
1,486 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
2013
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$435K
$413K low$456K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$440,000 · Feb 22, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.106%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$455,840
CROSSCOUNTRY MORTGAGE LLC · recorded Feb 22, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$90 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$420,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$107,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$312,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$409,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$420,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.7
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
11
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyThurston
Lot (acres)The size of the land the home sits on, from county records.0.21
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 200 ft²Porch · 75 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rochester Primary School
Elementary · Grades PK–2 · 1.3 mi
H
Rochester High SchoolC
High · Grades 9–12 · 1.4 mi
M
Rochester Middle SchoolB
Middle · Grades 6–8 · 4.1 mi

District: Rochester School District

Neighborhood · ZIP 98531These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.197

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.30,550
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.222 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,984
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,677
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.35%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20220 White Rock Loop Sw measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 75% of homes in Centralia 98531
  • Costs more per square foot than 72% of homes in Centralia 98531
  • Smaller than 67% of homes in Thurston County
  • Newer than 97% of homes in Centralia 98531

What homes are worth in Centralia 98531

Each bar is how many homes fall in that price range. The marker is this home.

This home
$153K$775K

This home is worth more than 75% of homes in Centralia 98531.

How it measures up in Centralia 98531

The dot is this home. The mark in the middle is the typical home in Centralia 98531.

Estimated value$434,726
CheaperTypical $367,762Pricier

Pricier than 75% of homes nearby

Price per ft²$293
CheaperTypical $257Pricier

Pricier than 72% of homes nearby

Living area1,486 ft²
SmallerTypical 1,431 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.21 ac
SmallerTypical 0.25 acBigger

Bigger than 42% of homes nearby

Year built2013
OlderTypical 1969Newer

Newer than 97% of homes nearby

How 20220 White Rock Loop Sw ranks against every home in each area.
MeasureThis homeCentralia 98531Thurston County
Estimated valuepricier than$434,72675% of homes25% of homes
Price per ft²pricier than$29372% of homes48% of homes
Living areabigger than1,486 ft²54% of homes33% of homes
Lot sizebigger than0.21 ac42% of homes39% of homes
Year builtnewer than201397% of homes90% of homes

About 20220 White Rock Loop Sw

How much is 20220 White Rock Loop Sw, Centralia, WA worth?

The TopHap Estimate for 20220 White Rock Loop Sw, Centralia, WA is $434,726 as of Jul 14, 2026. The likely range is $413,272 to $456,180. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20220 White Rock Loop Sw, Centralia, WA last sell?

20220 White Rock Loop Sw, Centralia, WA last sold on Feb 22, 2022 for $440,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 20220 White Rock Loop Sw, Centralia, WA?

20220 White Rock Loop Sw, Centralia, WA has 3 bedrooms, 2 bathrooms, 1,486 square feet of living space and a 0.21-acre lot.

When was 20220 White Rock Loop Sw, Centralia, WA built?

20220 White Rock Loop Sw, Centralia, WA was built in 2013, making it 13 years old. It is a ranch home. The building has 1 story.

What schools serve 20220 White Rock Loop Sw, Centralia, WA?

20220 White Rock Loop Sw, Centralia, WA is assigned to Rochester Primary School (elementary); Rochester High School (high), rated C; Rochester Middle School (middle), rated B. All sit in Rochester School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20220 White Rock Loop Sw, Centralia, WA compare to other homes in Centralia 98531?

Among the 8,649 homes in Centralia 98531, it is worth more than 75% of them ($434,726 against a typical $367,762), its price per square foot is higher than 72% of them ($293 against a typical $257), it is bigger than 54% of them (1,486 ft² against a typical 1,431 ft²), its lot is bigger than 42% of them (0.21 ac against a typical 0.25 ac) and it is newer than 97% of them (2013 against a typical 1969). Measured against all of Thurston County, it is worth more than 25% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20220 White Rock Loop Sw, Centralia, WA?

The 2026 property tax bill for 20220 White Rock Loop Sw, Centralia, WA was $90. The county assessed it at $420,500.

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Assigned schools

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