128 Vail Loop, Alto, NM 88312 Property Records

Lincoln County property record for 128 Vail Loop, Alto, NM 88312

Property Summary

Property Type	Single Family Home
Details	4,952 sqft · built 2004
Lot Size	1.44 acres (62,857 sqft)
Owner	Individual Name on Record
Tax Bill	$7,273 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-071-059-174-015`

Property Details

APN / Parcel Number

Primary APN	`4-071-059-174-015`
Alternative APN	`257550`

Interior

Stories	3 Stories
Building Area	4,952 sqft Living Area
1st Floor Area	2,998 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	62,857 sqft (1.44 acres)

Location & Zoning

Account Number	257550
Street Address	128 VAIL LOOP
City	ALTO
State	NM
Zip	88312-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LITTLE CREEK ESTATES SD. LOT 52A CONT'G 1.443 ACS
Legal Subdivision	LITTLE CREEK ESTATES SD
Legal Lot Number	52A
Jurisdiction	LINCOLN NM
Township / Civil Division	RUIDOSO
Census Block Group	2
Census Block	2003
Census Tract	960402

Owner

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

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
Mailing Address	128 VAIL LOOP, ALTO, NM 88312-9516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUIDOSO MORTGAGE COMPANY INC
Mar 8, 2017	Correction Deed

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2024
Deed Sale	Aug 12, 2024
Prior Sale	Jul 28, 2021 · Amount on Record
Deed Document Number	20243701
Deed Book / Page	2024 / 9563
Prior Transfer Date	Aug 31, 2014
Prior Transfer Doc	0000005315
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Jul 28, 2021
Property Address	128 VAIL LOOP, ALTO, NM 88312-9516
Document Number	2021/5483
Book / Page	2021 / 5483
Instrument Date	Jul 27, 2021
Instrument	202105483
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 525, RUIDOSO, NM 88355-0525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4005 107TH ST, LUBBOCK, TX 79423-5775

Mortgage

Document Number	202105484
Date	Jul 28, 2021
Instrument	202105484

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NM
Property Address	128 VAIL LOOP, ALTO, NM 88312-9516
Transaction Type	Mortgage
Record Updated	Jul 3, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2988
Date	Jun 23, 2020
Book Page	2020/2988
Instrument	202002988

Lender

Name	RUIDOSO MORTGAGE COMPANY INC
Type	Non-Lending Institution
Address	RUIDOSO, NM 88345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

March 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	LINCOLN NM
Recording Date	Mar 8, 2017
Property Address	128 VAIL LOOP, ALTO, NM 88312-9516
Document Number	2017/01354
Book / Page	2017 / 01354
Map Reference	MB H SL 741
Instrument Date	Mar 3, 2017
Instrument	201701354
Record Updated	Dec 6, 2021

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 RIDGE POINT PKWY, KELLER, TX 76248-8789

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Mexico
County	Lincoln County
Unified School District	Capitan Municipal Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$400,861 (-) Land $23,286 Building $377,575	$1,202,583 (-) Land $69,858 Building $1,132,725
2025	$7,273.00 (+104.24%)	$400,861 (+79.89%) Land $23,286 Building $377,575	$1,202,583 (+79.89%) Land $69,858 Building $1,132,725
2023	$3,561.00	$222,842 Land $17,913 Building $204,929	$668,526 Land $53,739 Building $614,787

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Policies	5 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	Extreme above 99% of the US · above 99.1% of New Mexico
Wildfire Likelihood	3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	SUN VALLEY WATER AND SANITATION DISTRICT serves 443 people · EPA ID NM3533814
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	36 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 90 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
Straight Shot Wireless Fixed Wireless	60 / 24
Choice Broadband Fixed Wireless	25 / 5
Windstream DSL	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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