206 Carmen Ln, Bernalillo, NM 87004 Property Records

Sandoval County property record for 206 Carmen Ln, Bernalillo, NM 87004

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,713 sqft · built 2005
Lot Size	0.628 acres (27,334 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,660 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`1-019-071-514-512`

Property Details

APN / Parcel Number

Primary APN	`1-019-071-514-512`
Alternative APN	`R182338`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,713 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	27,334 sqft (0.628 acres)

Location & Zoning

Account Number	R182338
Street Address	206 CARMEN LN
City	BERNALILLO
State	NM
Zip	87004-8600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGAL: S: 6 T: 12N R: 4E SUBD: CARMEN DOMINGUEZ ESTATES TRACT: A2
Legal Range	04E
Legal Township	12N
Legal Section	06
Legal Subdivision	CARMEN DOMINGUEZ ESTATES
Legal Tract	A2
Jurisdiction	SANDOVAL NM
Township / Civil Division	RIO RANCHO
Census Block Group	3
Census Block	3015
Census Tract	940500

Owner

206 Carmen Ln is owned and occupied by two individuals.

Source: Sandoval County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	206 CARMEN LN, BERNALILLO, NM 87004-8600
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL CU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 15, 2020	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Property Address	206 CARMEN LN, BERNALILLO, NM 87004-8600
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CARMEN LN, BERNALILLO, NM 87004-8600

Mortgage

Document Number	0000008998
Date	Apr 18, 2025
Book Page	428/8998
Instrument	2025008998

Lender

Name	FIRST FINANCIAL CU
Type	Credit Union
Address	ALBUQUERQUE, NM 87125

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 17, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Property Address	206 CARMEN LN, BERNALILLO, NM 87004-8600
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001301
Date	Jan 13, 2021
Book Page	424/1301
Instrument	2021001301

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	298 Months
Due	Nov 1, 2045

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Property Address	206 CARMEN LN, BERNALILLO, NM 87004-8600
Document Number	0000004644
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 CARMEN LN BERNALILLO NM 870048600, BERNALILLO, NM 87004-8600

Mortgage

Document Number	0000004644
Date	Feb 24, 2020
Book Page	000423/004644
Instrument	4644

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 23, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 206 Carmen Ln was $2,660 with a homeowner's exemption.

Source: Sandoval County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	Sandoval County
Municipality	Bernalillo Town
Unified School District	Bernalillo Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$89,522 (+3%) Land $7,275 Building $82,247	$268,568 (+3%) Land $21,826 Building $246,742
2025	$2,660.00 Additional exemption filed	$86,915 Land $7,198 Building $79,717	$260,746 Land $21,594 Building $239,152
2023	$2,603.00 Additional exemption filed	$81,926 Land $7,198 Building $74,728	$245,779 Land $21,594 Building $224,185

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

Flood

FEMA maps place 206 Carmen Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5,048.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 36 policies
Nearby Flood Policies	36 in force
Nearby Flood Claims	2 (1994–2006)
Most Recent Claim	Aug 2006 · Severe Storms And Flooding

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

Wildfire risk around 206 Carmen Ln is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within 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	BERNALILLO WATER SYSTEM serves 11,810 people · EPA ID NM3508923
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Oct 2013
Monitoring and Reporting	8 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
NMSurf Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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