Otero County property record for 27 Waterfall Dr, Cloudcroft, NM 88317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1982 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,117 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11O4071093293411 |
| Primary APN | 11O4071093293411 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Basement Area | 416 sqft |
| Unfinished Basement | 416 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 11,151 sqft (0.256 acres) |
| Terrain | Mountain |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Porch | Porch |
| Porch Area | 240 sqft |
| Deck Area | 352 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Propane |
| Sewer | Septic |
| Account Number | R040152 |
|---|---|
| Street Address | 27 WATERFALL DR |
| City | CLOUDCROFT |
| State | NM |
| Zip | 88317-9206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: WATERFALL #1 LOT 2 BLOCK: 1 |
| Legal Subdivision | WATERFALL #1 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | OTERO NM |
| Township / Civil Division | SOUTHEAST OTERO |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 901 |
Source: Otero County records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 WATERFALL DR, CLOUDCROFT, NM 88317-9206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 20, 2019 | Warranty Deed, Transfer · VA Mortgage GATEWAY MTG GRP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 11, 2011 |
| Transfer Doc | 0000001651 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTERO NM |
| Property Address | 27 WATERFALL DR, CLOUDCROFT, NM 88317-9206 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 27 WATERFALL DR, CLOUDCROFT, NM 88317-9206 |
| Document Number | 0202112232 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 202112232 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTERO NM |
| Recording Date | Dec 20, 2019 |
| Property Address | 27 WATERFALL DR, CLOUDCROFT, NM 88317-9206 |
| Document Number | 0000010029 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 10029 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | CASA Y TIERRA ABSTRACT AND TITLE COMPANY I, CASA Y TIERRA ABS & TITLE CO I |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 27 WATERFALL DR CLOUDCROFT NM 883179206, CLOUDCROFT, NM 88317-9206 |
| Document Number | 10030 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 10030 |
| Name | GATEWAY MTG GRP |
|---|---|
| Address | JENKS, OK 74037 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 19, 2049 |
Source: Otero County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New Mexico |
| County | Otero County |
| Unified School District | Cloudcroft Municipal Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $74,193 (+3%) Land $2,143 Building $72,050 | $222,578 (+3%) Land $6,429 Building $216,149 | |
| 2025 | $1,117.00 (+4.1%) | $72,032 (+6.09%) Land $2,143 Building $69,889 | $216,096 (+6.09%) Land $6,429 Building $209,667 |
| 2023 | $1,073.00 | $67,897 Land $2,143 Building $65,754 | $203,692 Land $6,429 Building $197,263 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 3, 2015 · 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 | 5 in force |
| Nearby Flood Claims | 1 (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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99.4% of the US · above 99.7% of New Mexico |
|---|---|
| Wildfire Likelihood | 3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFALL COMMUNITY WUA serves 342 people · EPA ID NM3564319 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Tularosa Communications Fiber | 1,000 / 1,000 |
No cell data coverage reported
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