Lincoln County property record for 123 E Circle Dr, Ruidoso Downs, NM 88346
| 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 |
| Primary APN | 4-076-065-232-149 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,220 sqft Living Area |
| 1st Floor Area | 1,220 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 12,284 sqft (0.282 acres) |
| 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 |
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.
| 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 |
| 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 |
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1223 RED RIVER LN, MIDLAND, TX 79705-2035 |
| Document Number | 0202301945 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 202301945 |
| Name | CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| 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% |
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 365 E KINCAID RANCH RD, ARTESIA, NM 88210-9144 |
| Document Number | 0202200256 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 202200256 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| 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 |
| Name | Verified Name |
|---|
| Document Number | 2017/07257 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 2017/07257 |
| Instrument | 201707257 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2038 |
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 E CIRCLE DR, 123, RUIDOSO DOWNS, NM 88346-9544 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 365 E KINCAID RANCH RD, ARTESIA, NM 88210-9144 |
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 123 E Circle Dr was $2,653.
Source: Lincoln County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | New Mexico |
| County | Lincoln County |
| Municipality | Ruidoso Downs City |
| Unified School District | Ruidoso Municipal Schools (PK - 12) |
| 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.
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 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.
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 |
| 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.
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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