166 Stable Rd, Alto, NM 88312 Property Records

Lincoln County property record for 166 Stable Rd, Alto, NM 88312

Property Summary

Property Type	Single Family Home
Details	4,825 sqft · built 2005
Lot Size	1.26 acres (55,016 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,465 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-074-059-232-419`

Property Details

APN / Parcel Number

Primary APN	`4-074-059-232-419`
Alternative APN	`328835`

Interior

Stories	3 Stories
Building Area	4,825 sqft Living Area
1st Floor Area	1,867 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	55,016 sqft (1.26 acres)

Location & Zoning

Account Number	328835
Street Address	166 STABLE RD
City	ALTO
State	NM
Zip	88312-8038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGH MESA SD. UNIT 3 BLOCK 12 LOT 19
Legal Subdivision	HIGH MESA SD
Legal Block	12
Legal Lot Number	19
Legal Unit	3
Jurisdiction	LINCOLN NM
Township / Civil Division	RUIDOSO
Census Block Group	4
Census Block	4051
Census Tract	960403

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	2 Individual Names on Record
Mailing Address	2650 FM 2525, EARLY, TX 76802-3641
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 8, 2022	Warranty Deed, Transfer
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022
Deed Sale	Sep 8, 2022
Prior Sale	Sep 19, 2017 · Amount on Record
Deed Document Number	20225593
Deed Book / Page	2022 / 5593
Prior Transfer Date	Sep 22, 2016
Prior Transfer Doc	2016/06272
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NM
Property Address	166 STABLE RD, ALTO, NM 88312-8038
Transaction Type	Mortgage
Record Updated	Sep 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1343 FM 576 E, MORAN, TX 76464-3635

Mortgage

Document Number	02021/7708
Date	Oct 25, 2021
Book Page	2021/7708
Instrument	202107708

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	7%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Sep 8, 2022
Property Address	166 STABLE RD, ALTO, NM 88312-8038
Document Number	02022/5593
Book / Page	2022 / 5593
Map Reference	TUBE 467
Instrument Date	Sep 7, 2022
Instrument	202205593
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 REMINGTON DR, 14, ALBANY, TX 76430-3601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2650 FM 2525, BROWNWOOD, TX 76802-3641

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Sep 19, 2017
Property Address	166 STABLE RD, ALTO, NM 88312-8038
Document Number	2017/05198
Book / Page	2017 / 05198
Map Reference	TUBE 467
Instrument Date	Sep 14, 2017
Instrument	201705198
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	331 CROSSCREEK DR, 331, WYLIE, TX 75098-6983

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	595 CUNNINGHAM MEADOWS RD, WAXAHACHIE, TX 75167-8436

Mortgage

Document Number	0201705199
Date	Sep 19, 2017
Instrument	201705199

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$374,258 (-) Land $19,803 Building $354,455	$1,122,774 (-) Land $59,409 Building $1,063,365
2025	$6,465.00 (+15.12%)	$374,258 (-) Land $19,803 Building $354,455	$1,122,774 (-) Land $59,409 Building $1,063,365
2023	$5,616.00	$374,258 Land $19,803 Building $354,455	$1,122,774 Land $59,409 Building $1,063,365

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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 95% of the US · above 94% of New Mexico
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

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	ALTO LAKES WATER AND SANITATION DISTRICT private · serves 2,870 people · EPA ID NM3558514
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 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	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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Choice Broadband Fixed Wireless	400 / 80
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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