202 Cactus Rd, Gallup, NM 87301 Property Records

McKinley County property record for 202 Cactus Rd, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.144 acres (6,297 sqft)
Owner	Individual Name on Record
Last Sale	$341,145 (Jan 2025)
Tax Bill	$2,417 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-105-087-353-153`

Property Details

APN / Parcel Number

Primary APN	`2-105-087-353-153`
Alternative APN	`R205083`

Exterior

Lot Area	6,297 sqft (0.144 acres)

Location & Zoning

Account Number	R205083
Street Address	202 CACTUS RD
City	GALLUP
State	NM
Zip	87301-5706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11-B, BLOCK 2, NIZHONI WEST SUB. 1-B DOC 364531 08/30/13 DOC 389789 08/09/19 CODE 2-105-087-353-153
Legal Subdivision	NIZHONI WEST SUB
Legal Block	2
Legal Lot Number	11-B
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	1
Census Block	1006
Census Tract	945501

Owner

Source: McKinley County records, as of October 20, 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	202 CACTUS RD, GALLUP, NM 87301-5706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2025	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Aug 9, 2019	Warranty Deed, Transfer LEGACY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Prior Sale	Aug 9, 2019 · Amount on Record
Deed Document Number	2025410027
Prior Transfer Date	Aug 16, 2013
Prior Transfer Doc	0000364531
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Jan 31, 2025
Property Address	202 CACTUS RD, GALLUP, NM 87301-5706
Document Number	0000410027
Instrument Date	Jan 30, 2025
Instrument	410027
Transaction Type	Transfer
Record Updated	Nov 25, 2025
Title Company	FOUNDERS TITLE COMPANY, FOUR CORNERS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CACTUS RD, GALLUP, NM 87301-5706

Mortgage

Document Number	0000410028
Date	Jan 31, 2025
Instrument	410028

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Aug 9, 2019
Property Address	202 CACTUS RD, GALLUP, NM 87301-5706
Document Number	0000389789
Instrument Date	Aug 9, 2019
Instrument	389789
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CACTUS RD, GALLUP, NM 87301-5706

Mortgage

Document Number	0000389791
Date	Aug 9, 2019
Instrument	389791

Lender

Name	LEGACY MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded

Mortgage

Document Number	0000389790
Date	Aug 9, 2019
Instrument	389790

Lender

Name	LEGACY MORTGAGE LLC
Type	Mortgage Company
Address	ALBUQUERQUE, NM 87109

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: McKinley County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	McKinley County
Municipality	Gallup City
Unified School District	Gallup-McKinley County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,497 (+24.47%) Land $9,267 Building $78,230	$262,490 (+24.47%) Land $27,800 Building $234,690
2025	$2,417.00 (-5.51%)	$70,295 (+3%) Land $8,330 Building $61,965	$210,885 (+3%) Land $24,990 Building $185,895
2024	$2,558.00 (+2.24%)	$68,248 (+3%) Land $8,330 Building $59,918	$204,743 (+3%) Land $24,990 Building $179,753
2023	$2,502.00 (+3.6%)	$66,260 (+0.72%) Land $8,330 Building $57,930	$198,780 (+0.72%) Land $24,990 Building $173,790
2022	$2,415.00	$65,786 Land $8,330 Building $57,456	$197,358 Land $24,990 Building $172,368

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 February 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 91% of New Mexico
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	GALLUP WATER SYSTEM serves 20,880 people · EPA ID NM3508317
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2026
Monitoring and Reporting	4 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Choice Broadband Fixed Wireless	400 / 80
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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