10304 E Tern Dr, Palmer, AK 99645 Property Records

State of Alaska property record for 10304 E Tern Dr, Palmer, AK 99645

Property Summary

Property Type	Single Family Home
Details	3,010 sqft · built 2004
Lot Size	1.75 acres (76,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$572,700 (Dec 2020)
Tax Bill	$4,220 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5622000L001`

Property Details

APN / Parcel Number

Primary APN	`5622000L001`
Alternative APNs	`55622000L001` `13238`

Interior

Stories	1 Story
Building Area	3,010 sqft Living Area
1st Floor Area	3,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	76,230 sqft
Garage Area	962 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	55622000L001
Street Address	10304 E TERN DR
City	PALMER
State	AK
Zip	99645-9104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Description	KOSKI EST LOT 1
Legal Range	01E
Legal Township	18N
Legal Section	25
Legal Subdivision	KOSKI EST
Legal Lot Number	1
Jurisdiction	MATANUSKA-SUSITNA AK
Township / Civil Division	MATANUSKA-SUSITNA
Census Block Group	3
Census Block	3013
Census Tract	1100

Owner

Source: State of Alaska records, as of June 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10304 E TERN DR, PALMER, AK 99645-9104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Deed Document Number	202032772
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MATANUSKA-SUSITNA AK
Recording Date	Dec 23, 2020
Property Address	10304 E TERN DR, PALMER, AK 99645-9104
Document Number	0000032772
Map Reference	PL 2004-180
Instrument Date	Dec 18, 2020
Instrument	2020-032772-0
Transaction Type	Transfer
Record Updated	Jun 30, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1967, PALMER, AK 99645-1967

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 3150, PALMER, AK 99645-3150

Mortgage

Document Number	0000032773
Date	Dec 23, 2020
Instrument	2020-032773-0

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: State of Alaska assessment roll, as of June 24, 2026

Property Jurisdictions

Type	Name
State	Alaska
County	Matanuska-Susitna Borough
Unified School District	Matanuska-Susitna Borough School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,220.00 (+4.35%) Veteran's exemption	$697,300 (+10.42%) Land $49,500 Building $647,800	$697,300 (+10.42%) Land $49,500 Building $647,800
2023	$4,044.00	$631,500 Land $43,000 Building $588,500	$631,500 Land $43,000 Building $588,500

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 November 29, 2023

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

Values are read at the parcel center point; 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 80% of the US · lower than 77% of Alaska
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	PALMER WATER SYSTEM serves 8,111 people · EPA ID AK2226020
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Matanuska Telecom Association DSL · Fiber in parts of the area	120 / 60