312 Carmel Ln, Clovis, NM 88101 Property Records

Curry County property record for 312 Carmel Ln, Clovis, NM 88101

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Tax Bill	$1,923 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29048`

Property Details

APN / Parcel Number

Primary APN	`29048`
Alternative APNs	`1-213-011-284-132-00` `22101`

Location & Zoning

Account Number	29048
Street Address	312 CARMEL LN
City	CLOVIS
State	NM
Zip	88101-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALMOND RANCH ESTATES UNIT 1 BLOCK 3 LOT 2
Legal Subdivision	ALMOND RANCH ESTATES
Legal Block	3
Legal Lot Number	2
Legal Unit	1
Jurisdiction	CURRY NM
Township / Civil Division	CLOVIS
Census Block Group	2
Census Block	2033
Census Tract	303

Owner

312 Carmel Ln is owned and occupied by an individual who acquired it in June 2023.

Source: Curry County records, as of November 24, 2025

Owner of Record	Individual Name on File
Mailing Address	312 CARMEL LN, CLOVIS, NM 88101-1722
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 8, 2023	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 8, 2023	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2023
Deed Sale	Jun 8, 2023
Deed Document Number	2023002851
Deed Book / Page	2023 / 2851
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRY NM
Property Address	312 CARMEL LN, CLOVIS, NM 88101-1722
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2035, SNOWFLAKE, AZ 85937-2035

Mortgage

Document Number	02023/2850
Date	Jun 8, 2023
Book Page	2023/2850
Instrument	2023002850

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRY NM
Recording Date	Jun 8, 2023
Property Address	312 CARMEL LN, CLOVIS, NM 88101-1722
Document Number	02023/2851
Book / Page	2023 / 2851
Instrument Date	Jun 7, 2023
Instrument	2023002851
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 ECHOLS AVE, CLOVIS, NM 88101-4531

Mortgage

Document Number	2023002850
Date	Jun 8, 2023
Instrument	2023002850

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 312 Carmel Ln was $1,923 with exemptions applied, down 12.9% from the year before.

Source: Curry County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	New Mexico
County	Curry County
Municipality	Clovis City
Unified School District	Clovis Municipal Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,923.00 (-12.87%) Veteran's exemption Additional exemption filed	$88,121 (-) Land $4,800 Building $83,321	$264,363 (-) Land $14,400 Building $249,963
2024	$2,207.00	$88,121 (+22.59%) Land $4,800 Building $83,321	$264,363 (+22.59%) Land $14,400 Building $249,963
2023		$71,885 (+2.79%) Land $4,800 Building $67,085	$215,655 (+2.79%) Land $14,400 Building $201,255
2022		$69,932 Land $4,800 Building $65,132	$209,796 Land $14,400 Building $195,396

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

Flood

FEMA maps place 312 Carmel Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 2023 · 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
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	38 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 312 Carmel Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 99.6% of New Mexico
Wildfire Likelihood	0.03% 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	EPCOR WATER NEW MEXICO INC CLOVIS private · serves 41,066 people · EPA ID NM3527305
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Plateau Telecommunications Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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