195 Ferguson Rd, Ramah, NM 87321 Property Records

Cibola County property record for 195 Ferguson Rd, Ramah, NM 87321

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 612 sqft · built 1997
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$382,790 (Sep 2026)
Tax Bill	$1,940 (2023)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R13118`

Property Details

APN / Parcel Number

Primary APN	`R13118`
Alternative APN	`2082060198066`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	612 sqft Living Area
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Logs
Construction Type	Wood
Roof Material	Other
Lot Area	1,742,400 sqft (40 acres)

Location & Zoning

Account Number	R13118
Street Address	195 FERGUSON RD
City	RAMAH
State	NM
Zip	87321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S: 4 T: 10N R: 14W SW 1/4 SE 1/4 **40 ACRES 195 FERGUSON RD RAMAH 87321
Legal Range	14W
Legal Township	10N
Legal Section	04
Jurisdiction	CIBOLA NM
Township / Civil Division	GRANTS
Census Block Group	2
Census Block	2111
Census Tract	974701

Owner

Source: Cibola County records, as of October 12, 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	195 FERGUSON RD, RAMAH, NM 87321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	20261884
Deed Book / Page	32 / 7818
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CIBOLA NM
Recording Date	Sep 3, 2026
Property Address	195 FERGUSON RD, RAMAH, NM 87321
Document Number	0000001884
Book / Page	32 / 7818
Instrument Date	Sep 2, 2026
Instrument	20261884
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NEW MEXICO LAND AND TITLE

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	195 FERGUSON RD, RAMAH, NM 87321

Mortgage

Document Number	0000001885,
Date	Sep 3, 2026
Book Page	32/7820
Instrument	20261885

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CIBOLA NM
Recording Date	Oct 18, 2021
Property Address	195 FERGUSON RD, RAMAH, NM 87321
Document Number	28/9034
Book / Page	28 / 9034
Instrument Date	Oct 14, 2021
Instrument	202102403
Transaction Type	Transfer
Record Updated	Nov 12, 2021

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	11210 TERRA VISTA PKWY, RANCHO CUCAMONGA, CA 91730-7424

Mortgage

Document Number	202102404
Date	Oct 18, 2021
Instrument	202102404

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Cibola County assessment roll, as of February 3, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	Cibola County
Unified School District	Grants-Cibola County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$71,045 (+5.79%) Land $7,755 Building $63,290	$213,134 (+5.79%) Land $23,265 Building $189,869
2023	$1,940.00	$67,156 Land $7,499 Building $59,657	$201,467 Land $22,497 Building $178,970

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

Source: FEMA National Flood Hazard Layer, effective December 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 80% of the US · above 73% of New Mexico
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Oso Internet Solutions Fixed Wireless	10 / 1

Cell Coverage

No cell data coverage reported

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