1045 E Sterling Ln, Flagstaff, AZ 86005 Property Records

Coconino County property record for 1045 E Sterling Ln, Flagstaff, AZ 86005

Property Summary

Property Type	Condominium
Details	2,431 sqft · built 2006
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$770,000 (Sep 2025)
Tax Bill	$2,670 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-20-041`

Property Details

APN / Parcel Number

Primary APN	`105-20-041`
Alternative APN	`R0320549`

Interior

Stories	9 Stories
Building Area	2,431 sqft Living Area
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 2006
Exterior Material	Plywood
Construction Type	Steel Frame
Lot Area	3,920 sqft (0.089 acres)
Terrain	Gentle Slope
Garage Type	Attached
Garage Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Hot Water

Location & Zoning

Account Number	R0320549
Street Address	1045 E STERLING LN
City	FLAGSTAFF
State	AZ
Zip	86005-6573
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SUBDIVISION: PINNACLE PINES UNIT 1 LOT: 41 SIXTEENTH: NE QUARTER: NE SECTION: 33 TOWNSHIP: 21N RANGE: 07E
Legal Range	07E
Legal Township	21N
Legal Section	33
Legal Subdivision	PINNACLE PINES
Legal Lot Number	41
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	3
Census Block	3003
Census Tract	902

Owner

Source: Coconino County records, as of November 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1045 E STERLING LANE, EAGLE MOUNTAIN, UT 84005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage OLD MISSOURI BANK
Sep 16, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 30, 2021	Warranty Deed, Transfer LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	May 28, 2024 · Amount on Record
Deed Document Number	4024723
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	1045 E STERLING LN, FLAGSTAFF, AZ 86005-6573
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	LAWYERS TITLE OF NEVADA, LAWYERS TITLE OF ARIZONA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003921029
Date	Jul 2, 2021
Instrument	3921029

Lender

Name	OLD MISSOURI BANK
Type	Bank
Address	SPRINGFIELD, MO 65807

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Sep 16, 2025
Property Address	1045 E STERLING LN, FLAGSTAFF, AZ 86005-6573
Document Number	0004024723
Map Reference	CASE 9 MAP 78,78A-B
Instrument Date	Sep 10, 2025
Instrument	4024723
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2865 W ALAMO DR, FLAGSTAFF, AZ 86001-2581

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1045 E STERLING LANE, EAGLE MOUNTAIN, UT 84005

Mortgage

Document Number	0004024724
Date	Sep 16, 2025
Instrument	4024724

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Apr 30, 2021
Property Address	1045 E STERLING LN, FLAGSTAFF, AZ 86005-6573
Document Number	0003913926
Map Reference	CASE MAP 78
Instrument Date	Apr 22, 2021
Instrument	3913926
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 E STERLING LN, 1045, FLAGSTAFF, AZ 86005-6573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 N JUDD PL, CHANDLER, AZ 85226-8703

Tax Assessment & Valuation

Source: Coconino County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Municipality	Flagstaff City
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$62,683 (+11.34%) Land $6,695 Building $55,988
2025	$2,670.00 (+3.53%) Homeowner's exemption	$56,297 (-4.6%) Land $6,695 Building $49,602	$626,832 (+11.34%) Land $66,950 Building $559,882
2024	$2,579.00 (-15.5%) Homeowner's exemption	$59,012 Land $6,695 Building $52,317	$562,969 (-4.6%) Land $66,950 Building $496,019
2023	$3,052.00		$590,118 Land $66,950 Building $523,168

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 53% of Arizona
Wildfire Likelihood	0.2% 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	CITY OF FLAGSTAFF serves 79,796 people · EPA ID AZ0403008
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	53 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bluespan Wireless, Verizon.

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