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Single Family ResidenceResidential
$517,161$353 / 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 93How 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 $216,219 on Apr 29, 2016

20228 WHITE ROCK LOOP SW

CENTRALIA, WA 98531
3
Beds
2
Baths
1,465 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.
0.98 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
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

$517K
$479K low$555K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$216,219 · Apr 29, 2016
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.$182,161
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$145,729
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.65%
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.$335,000
CALIBER HOME LOANS INC · recorded Nov 19, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$91 (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.$475,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$140,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$335,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$476,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$475,400

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.0.98
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.Porch · 75 ft²

Transaction History(2)

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 · 1.4 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

20228 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 88% of homes in Centralia 98531
  • Costs more per square foot than 93% of homes in Centralia 98531
  • Smaller than 68% of homes in Thurston County
  • Has a bigger lot than 75% of homes in Centralia 98531
  • 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 88% 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$517,161
CheaperTypical $367,762Pricier

Pricier than 88% of homes nearby

Price per ft²$353
CheaperTypical $257Pricier

Pricier than 93% of homes nearby

Living area1,465 ft²
SmallerTypical 1,431 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.98 ac
SmallerTypical 0.25 acBigger

Bigger than 75% of homes nearby

Year built2015
OlderTypical 1969Newer

Newer than 97% of homes nearby

How 20228 White Rock Loop Sw ranks against every home in each area.
MeasureThis homeCentralia 98531Thurston County
Estimated valuepricier than$517,16188% of homes49% of homes
Price per ft²pricier than$35393% of homes80% of homes
Living areabigger than1,465 ft²53% of homes32% of homes
Lot sizebigger than0.98 ac75% of homes75% of homes
Year builtnewer than201597% of homes92% of homes

About 20228 White Rock Loop Sw

How much is 20228 White Rock Loop Sw, Centralia, WA worth?

The TopHap Estimate for 20228 White Rock Loop Sw, Centralia, WA is $517,161 as of Jul 14, 2026. The likely range is $479,471 to $554,851. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20228 White Rock Loop Sw, Centralia, WA last sell?

20228 White Rock Loop Sw, Centralia, WA last sold on Apr 29, 2016 for $216,219, according to the county's recorded deed.

How big is 20228 White Rock Loop Sw, Centralia, WA?

20228 White Rock Loop Sw, Centralia, WA has 3 bedrooms, 2 bathrooms, 1,465 square feet of living space and a 0.98-acre lot.

When was 20228 White Rock Loop Sw, Centralia, WA built?

20228 White Rock Loop Sw, Centralia, WA was built in 2015, making it 11 years old. It is a ranch home. The building has 1 story.

What schools serve 20228 White Rock Loop Sw, Centralia, WA?

20228 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 20228 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 88% of them ($517,161 against a typical $367,762), its price per square foot is higher than 93% of them ($353 against a typical $257), it is bigger than 53% of them (1,465 ft² against a typical 1,431 ft²), its lot is bigger than 75% of them (0.98 ac against a typical 0.25 ac) and it is newer than 97% of them (2015 against a typical 1969). Measured against all of Thurston County, it is worth more than 49% 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 20228 White Rock Loop Sw, Centralia, WA?

The 2026 property tax bill for 20228 White Rock Loop Sw, Centralia, WA was $91. The county assessed it at $475,400.

Closest homes

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Assigned schools

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