State of Alaska property record for 38575 McDowell Rd, Sterling, AK 99672
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 1986 |
| Lot Size | 2.12 acres (92,347 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $196,840 (Dec 2025) |
| Tax Bill | $3,260 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 063-490-26 |
| Primary APN | 063-490-26 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,887 sqft |
| 1st Floor Area | 1,972 sqft |
| Basement Area | 512 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 92,347 sqft (2.12 acres) |
| Garage Type | Detached |
| Garage Area | 2,400 sqft |
| Driveway | Gravel Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 10 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Deck Area | Deck Area |
| Sewer | Septic |
|---|
| Street Address | 38575 MCDOWELL RD |
|---|---|
| City | STERLING |
| State | AK |
| Zip | 99672 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T 5N R 9W SEC 11 SEWARD MERIDIAN KN 0820047 HARVEY SUB NO 2 TRACT A3A |
| Legal Range | 09W |
| Legal Township | 05N |
| Legal Section | 11 |
| Legal Subdivision | HARVEY SUB NO 2 |
| Legal Tract | A3A |
| Jurisdiction | KENAI AK |
| Township / Civil Division | KENAI-COOK INLET |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 400 |
Source: State of Alaska records, as of June 12, 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 | PO BOX 202, STERLING, AK 99672-0202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK ALASKA |
| Mar 8, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK ALASKA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2025 · Amount on Record |
| Deed Sale | Dec 12, 2025 · Amount on Record |
| Prior Sale | Dec 23, 2022 |
| Deed Document Number | 202510753 |
| Prior Transfer Date | Dec 8, 2025 |
| Prior Transfer Doc | 0000010753 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENAI AK |
| Property Address | 38575 MCDOWELL RD, STERLING, AK 99672 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Title Company | FIRST AMERICAN TITLE, FATIC |
| Name | Verified Name |
|---|---|
| Address | 38575 MCDOWELL RD, STERLING, AK 99672 |
| Document Number | 0000010754 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 2025-010754-0 |
| Name | FIRST NATIONAL BANK ALASKA |
|---|---|
| Type | Bank |
| Address | ANCHORAGE, AK 99510 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENAI AK |
| Property Address | 38575 MCDOWELL RD, STERLING, AK 99672 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 106 STEEN WAY, LEWISTOWN, MT 59457-4903 |
| Document Number | 0000001484 |
|---|---|
| Date | Mar 8, 2023 |
| Instrument | 2023-001484-0 |
| Name | FIRST NATIONAL BANK ALASKA |
|---|---|
| Type | Bank |
| Address | ANCHORAGE, AK 99510 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Mar 25, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: State of Alaska assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | Alaska |
| County | Kenai Peninsula Borough |
| Unified School District | Kenai Peninsula Borough School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,260.00 (+33.22%) Homeowner's exemption | $452,000 (+64.72%) Land $45,600 Building $406,400 | $452,000 (+64.72%) Land $45,600 Building $406,400 |
| 2023 | $2,447.00 | $274,400 Land $36,200 Building $238,200 | $274,400 Land $36,200 Building $238,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · 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 24 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 8 (1995–2012) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2012 · Severe Storm, Straight-line Winds, Flooding, And Landslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 89% of the US · above 88% of Alaska |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Choice Broadband Fixed Wireless | 300 / 100 |
| SPITwSPOTS Fixed Wireless | 300 / 75 |
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