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Foreclosure and tax sales in Alaska

What our research shows about Alaska's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Alaska Stat. § 34.20.070; Alaska Stat. § 34.20.090; Alaska Stat. § 34.20.100; Alaska Stat. § 09.35.140; Alaska Stat. § 09.45.180
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
Notice of default — must come at least 90 days before the sale
The trustee records a notice of default at least 30 days after the default and at least 90 days before the sale, and mails it by certified mail within 10 days of recording (or delivers it within 20 days).
From a reputable summary
Notice of sale — at least 30 days before the sale
Notice of sale is posted in three public places within five miles of the sale at least 30 days before it, published in a newspaper once a week for four weeks, and posted online starting at least 45 days before the sale.
From a reputable summary
+At least 30 days
Foreclosure sale
From a reputable summary
No right to redeem after the sale
No redemption after a nonjudicial sale unless the deed of trust expressly grants one.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: At least 90 daysThe trustee records a notice of default at least 30 days after the default and at least 90 days before the sale, and mails it by certified mail within 10 days of recording (or delivers it within 20 days).
Alaska Stat. § 34.20.070
From a reputable summary[1]
Notice of sale: At least 30 daysNotice of sale is posted in three public places within five miles of the sale at least 30 days before it, published in a newspaper once a week for four weeks, and posted online starting at least 45 days before the sale.
Alaska Stat. § 09.35.140
From a reputable summary[1]
Publication: Newspaper once a week for four weeks; internet notice from at least 45 days before the sale; posting in three public places.
From a reputable summary[1]
When sales happen: Not researched yet for this state.

Catching up (reinstatement): You may reinstate any time before the sale, but the trustee can refuse if two or more earlier notices of default were cured by reinstatement.
Alaska Stat. § 34.20.070
From a reputable summary[1][2]
Buying the home back (redemption): NoNo redemption after a nonjudicial sale unless the deed of trust expressly grants one.
Alaska Stat. § 34.20.090
From a reputable summary[1][2]
Owing money after the sale (deficiency): LimitedNot allowed after a nonjudicial foreclosure; allowed after a judicial foreclosure.
Alaska Stat. §§ 34.20.100, 09.45.180
From a reputable summary[1][2]
Mediation: Not researched yet for this state.

Tax sale system: Forfeiture to the government
Annual municipal foreclosure in court; title passes to the municipality or borough — no public auction.
From a reputable summary[3]
How it works: The municipality files one foreclosure petition a year for all delinquent properties, publishes the list and mails you notice within 10 days. Paying before the court transfers title stops it.
From a reputable summary[3]
Redeeming after a tax sale: At least one year after transfer to the municipality (you may stay in the home). Afterward, you may be able to repurchase for up to ten years if the property has not been sold.
Alaska Stat. §§ 29.45.400, 29.45.440, 29.45.470
From a reputable summary[3]
Relief programs: Not researched yet for this state.
Payment plans: Not researched yet for this state.
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: You may choose the federal list
You may choose the federal bankruptcy exemption list (11 U.S.C. § 522(d)) instead of the state list — one list or the other, never a mix.
From a reputable summary[4]
Homestead exemption: $72,900Primary residence up to $72,900; one cap per residence (no doubling); no acreage limit.(Alaska Stat. § 09.38.010)
From a reputable summary[5]

Free legal aid (LSC-funded): Alaska Legal Services Corporation
Checked against the official text[7]
Legal help website: Alaska Legal Services Corporation
Checked against the official text[8]
State housing agency: Alaska Housing Finance Corporation
Checked against the official text[6]
Attorney general / consumer protection: Alaska Department of Law — Consumer Protection
Checked against the official text[9]
Court self-help: Alaska Court System — Self-Help Center
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.