2388 Melon Ridge Loop NE, Rio Rancho, NM 87144 Property Records

Sandoval County property record for 2388 Melon Ridge Loop NE, Rio Rancho, NM 87144

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,777 sqft · built 2023
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Tax Bill	$3,908 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-012-071-150-085`

Property Details

APN / Parcel Number

Primary APN	`1-012-071-150-085`
Alternative APN	`R189011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,777 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	5,009 sqft (0.115 acres)

Location & Zoning

Account Number	R189011
Street Address	2388 MELON RIDGE LOOP NE
City	RIO RANCHO
State	NM
Zip	87144-5252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGAL: S: 12 T: 12N R: 2E SUBD: MELON RIDGE PHASE 1 BLOCK: 2 LOT: 20
Legal Range	02E
Legal Township	12N
Legal Section	12
Legal Subdivision	MELON RIDGE PHASE 1
Legal Block	2
Legal Lot Number	20
Jurisdiction	SANDOVAL NM
Township / Civil Division	RIO RANCHO
Census Block Group	1
Census Block	1297
Census Tract	10725

Owner

2388 Melon Ridge Loop NE is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252
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
Jun 30, 2026	Deed of Trust, Mortgage · VA Mortgage WESTERN MORTGAGE
Sep 30, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2024	Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Recording Date	Jun 30, 2026
Property Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252
Document Number	0000015658
Book / Page	429 / 15658
Instrument Date	Jun 25, 2026
Instrument	202615658
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252

Mortgage

Document Number	0000015658,
Date	Jun 30, 2026
Book Page	429/15658
Instrument	202615658

Lender

Name	WESTERN MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Property Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252

Mortgage

Document Number	0000022833
Date	Sep 30, 2025
Book Page	428/22833
Instrument	2025022833

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANDOVAL NM
Recording Date	Jan 23, 2024
Property Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252
Document Number	0000001330
Book / Page	427 / 1330
Map Reference	MB 3 PG 5064
Instrument Date	Jan 23, 2024
Instrument	2024001330
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 MELON RIDGE LOOP NE, RIO RANCHO, NM 87144-5252

Mortgage

Document Number	0000001331
Date	Jan 23, 2024
Instrument	2024001331

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2388 Melon Ridge Loop NE was $3,908 with a veteran's exemption.

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

Property Jurisdictions

Type	Name
State	New Mexico
County	Sandoval County
Municipality	Rio Rancho City
Unified School District	Rio Rancho Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,059 (+3%) Land $24,795 Building $99,264	$372,178 (+3%) Land $74,385 Building $297,793
2025	$3,908.00 Veteran's exemption Additional exemption filed	$120,446 Land $25,233 Building $95,213	$361,338 Land $75,700 Building $285,638
2023	$1,007.00	$24,167 Land $24,167	$72,500 Land $72,500

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

Flood

FEMA maps place 2388 Melon Ridge Loop NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · 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	1 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

Wildfire risk around 2388 Melon Ridge Loop NE 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	Direct burnable vegetation

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	RIO RANCHO WATER & WW SERVICES serves 107,350 people · EPA ID NM3509623
Water Source	Purchased surface water from ALBUQUERQUE WATER SYSTEM
Last State Inspection	Mar 2022
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Mar 2026
Monitoring and Reporting	1 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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	1,000 / 1,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
NMSurf Fixed Wireless	200 / 50
Lobo Internet Services Fixed Wireless	100 / 80
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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