123 E Circle Dr, Ruidoso Downs, NM 88346 Property Records

Lincoln County property record for 123 E Circle Dr, Ruidoso Downs, NM 88346

Property Summary

Property Type	Single Family Home
Details	1,220 sqft · built 1981
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on File
Last Sale	$292,600 (Apr 2023)
Tax Bill	$2,653 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4-076-065-232-149`

Property Details

APN / Parcel Number

Primary APN	`4-076-065-232-149`
Alternative APN	`379327`

Interior

Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	12,284 sqft (0.282 acres)

Location & Zoning

Account Number	379327
Street Address	123 E CIRCLE DR
City	RUIDOSO DOWNS
State	NM
Zip	88346-9544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUIDOSO DOWNS HEIGHTS SD. BLOCK 1 LOT 54 CONT'G 0.282 AC
Legal Subdivision	RUIDOSO DOWNS HEIGHTS SD
Legal Block	1
Legal Lot Number	54
Jurisdiction	LINCOLN NM
Township / Civil Division	RUIDOSO
Census Block Group	2
Census Block	2051
Census Tract	960401

Owner

123 E Circle Dr is owned by two individuals who bought it in April 2023.

Source: Lincoln County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1223 RED RIVER LN, KB, MIDLAND, TX 79705-2035
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · Conventional Mortgage CITY BANK
Jan 13, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 15, 2017	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Apr 6, 2021	Intrafamily Transfer, Transfer
Apr 6, 2021	Warranty Deed, Transfer
Apr 6, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on File
Deed Sale	Apr 20, 2023 · Amount on File
Prior Sale	Jan 13, 2022 · Amount on File
Deed Document Number	20231944
Deed Book / Page	2023 / 1944
Prior Transfer Date	Apr 5, 2021
Prior Transfer Doc	2021/2527
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Apr 20, 2023
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Document Number	02023/1944
Book / Page	2023 / 1944
Map Reference	MB C-K PG 204
Instrument Date	Apr 14, 2023
Instrument	202301944
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	LINCOLN COUNTY ABSTRACT AND TITLE, LINCOLN CNTY ABSTRACT & TTL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1223 RED RIVER LN, MIDLAND, TX 79705-2035

Mortgage

Document Number	0202301945
Date	Apr 20, 2023
Instrument	202301945

Lender

Name	CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Margin	1
Max Rate	11.7%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NM
Recording Date	Jan 13, 2022
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Document Number	002022/255
Book / Page	2022 / 255
Map Reference	MB C-K PG 204
Instrument Date	Jan 10, 2022
Instrument	202200255
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	365 E KINCAID RANCH RD, ARTESIA, NM 88210-9144

Mortgage

Document Number	0202200256
Date	Jan 13, 2022
Instrument	202200256

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NM
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/07257
Date	Dec 15, 2017
Book Page	2017/07257
Instrument	201707257

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2038

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NM
Recording Date	Apr 6, 2021
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Document Number	2021/2528
Book / Page	2021 / 2528
Map Reference	MB C-K PG 204
Instrument Date	Apr 6, 2021
Instrument	202102528
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Apr 6, 2021
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Document Number	2021/2529
Book / Page	2021 / 2529
Map Reference	MB C-K PG 204
Instrument Date	Apr 5, 2021
Instrument	202102529
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 E CIRCLE DR, 123, RUIDOSO DOWNS, NM 88346-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	365 E KINCAID RANCH RD, ARTESIA, NM 88210-9144

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NM
Recording Date	Apr 6, 2021
Property Address	123 E CIRCLE DR, RUIDOSO DOWNS, NM 88346-9544
Document Number	2021/2527
Book / Page	2021 / 2527
Map Reference	MB C-K PG 204
Instrument Date	Apr 5, 2021
Instrument	202102527
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 123 E Circle Dr was $2,653.

Source: Lincoln County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	New Mexico
County	Lincoln County
Municipality	Ruidoso Downs City
Unified School District	Ruidoso Municipal Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,333 (-) Land $7,556 Building $76,777	$252,999 (-) Land $22,668 Building $230,331
2025	$2,653.00	$84,333 Land $7,556 Building $76,777	$252,999 Land $22,668 Building $230,331
2023	$1,678.00	$53,674 Land $7,556 Building $46,118	$161,022 Land $22,668 Building $138,354

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

FEMA maps place 123 E Circle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective March 7, 2017 · 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
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

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

Wildfire risk around 123 E Circle Dr is high, ranking above 89% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 89% of the US · above 85% of New Mexico
Wildfire Likelihood	1% 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	RUIDOSO DOWNS WATER SYSTEM serves 2,146 people · EPA ID NM3513214
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Starlink Satellite	280 / 30
Choice Broadband Fixed Wireless	100 / 25
Windstream DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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