307 E Hill Ave, Gallup, NM 87301 Property Records

McKinley County property record for 307 E Hill Ave, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.234 acres (10,197 sqft)
Owner	Individual Name on Record
Last Sale	$223,900 (May 2019)
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-105-088-393-153`

Property Details

APN / Parcel Number

Primary APN	`2-105-088-393-153`
Alternative APN	`R675520`

Exterior

Lot Area	10,197 sqft (0.234 acres)

Location & Zoning

Account Number	R675520
Street Address	307 E HILL AVE
City	GALLUP
State	NM
Zip	87301-6154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 19, 20, & 21, BLOCK 12, A & P RAILWAY CO. ADDN. BK 22PG 9892 7/9/04 DOC 389063 05/29/19 CODE 2-105-088-393-153
Legal Subdivision	A & P RAILWAY CO. ADDN
Legal Block	12
Legal Lot Number	19-20
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	2
Census Block	2022
Census Tract	945400

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	307 E HILL AVE, GALLUP, NM 87301-6154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 9, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 28, 2019	Re-recorded Document · FHA Mortgage WATERSTONE MORTGAGE CORP
May 29, 2019	Re-recorded Document · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	2019389063
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKINLEY NM
Property Address	307 E HILL AVE, GALLUP, NM 87301-6154
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E HILL AVE, GALLUP, NM 87301-6154

Mortgage

Document Number	0000407221
Date	Apr 30, 2024
Instrument	407221

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	269 Months
Due	Sep 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKINLEY NM
Property Address	307 E HILL AVE, GALLUP, NM 87301-6154
Transaction Type	Mortgage
Record Updated	May 8, 2024
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E HILL AVE, GALLUP, NM 87301-6154

Mortgage

Document Number	0000397477
Date	Aug 9, 2021
Instrument	397477

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

May 2019: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MCKINLEY NM
Recording Date	May 28, 2019
Property Address	307 E HILL AVE, GALLUP, NM 87301-6154
Document Number	0000389060
Instrument Date	May 28, 2019
Instrument	389060
Record Updated	Jan 14, 2022
Title Company	NOT AVAILABLE, DBA GALLUP TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E HILL AVE, GALLUP, NM 87301-6154

Mortgage

Document Number	0000389064
Date	May 28, 2019
Instrument	389064

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

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

May 2019: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MCKINLEY NM
Recording Date	May 29, 2019
Property Address	307 E HILL AVE, GALLUP, NM 87301-6154
Document Number	0000389063
Instrument Date	May 28, 2019
Instrument	389063
Record Updated	Jan 14, 2022
Title Company	NOT AVAILABLE, DBA GALLUP TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E HILL AVE, GALLUP, NM 87301-6154

Mortgage

Document Number	0000389061
Date	May 29, 2019
Instrument	389061

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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		$75,172 (+3%) Land $10,746 Building $64,426	$225,515 (+3%) Land $32,237 Building $193,278
2025	$2,509.00 (-5.53%)	$72,982 (+3%) Land $10,650 Building $62,332	$218,947 (+3%) Land $31,950 Building $186,997
2024	$2,656.00 (+1.18%)	$70,857 (+1.92%) Land $10,650 Building $60,207	$212,570 (+1.92%) Land $31,950 Building $180,620
2023	$2,625.00 (-8.22%)	$69,520 (-10.77%) Land $10,650 Building $58,870	$208,560 (-10.77%) Land $31,950 Building $176,610
2022	$2,860.00	$77,912 Land $10,650 Building $67,262	$233,737 Land $31,950 Building $201,787

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 489 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

May also be available: Verizon.

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