312 Pine Ave, Gallup, NM 87301 Property Records

McKinley County property record for 312 Pine Ave, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.622 acres (27,099 sqft)
Owner	2 Individual Names on File
Last Sale	$553,700 (May 2026)
Tax Bill	$3,205 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-105-087-334-479`

Property Details

APN / Parcel Number

Primary APN	`2-105-087-334-479`
Alternative APN	`R207644`

Exterior

Lot Area	27,099 sqft (0.622 acres)

Location & Zoning

Account Number	R207644
Street Address	312 PINE AVE
City	GALLUP
State	NM
Zip	87301-5951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E.40' OF LOT 4, LOTS 5, 6, & 14, BLOCK 6, HIGHLAND PARK ADDN. BK 10 PG 6349 10/11/96 CODE 2-105-087-334-479
Legal Subdivision	HIGHLAND PARK ADDN
Legal Block	6
Legal Lot Number	4-6
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	3
Census Block	3033
Census Tract	945400

Owner

Source: McKinley County records, as of October 20, 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	312 PINE AVE, GALLUP, NM 87301-5951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer GALLO TITLE, GALLUP TITLE
May 28, 2026	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Apr 12, 2017
Deed Document Number	2026414855
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	May 28, 2026
Property Address	312 PINE AVE, GALLUP, NM 87301-5951
Document Number	0000414854
Instrument Date	May 28, 2026
Instrument	2026414854
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	GALLO TITLE, GALLUP TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	312 PINE AVE, GALLUP, NM 87301-5951

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	May 28, 2026
Property Address	312 PINE AVE, GALLUP, NM 87301-5951
Document Number	0000414855
Instrument Date	May 28, 2026
Instrument	2026414855
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	GALLO TITLE, GALLUP TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	312 PINE AVE, GALLUP, NM 87301-5951

Mortgage

Document Number	0000414856,
Date	May 28, 2026
Instrument	2026414856

Lender

Name	USAA FSB

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$98,091 (+3%) Land $25,172 Building $72,919	$294,272 (+3%) Land $75,515 Building $218,757
2025	$3,205.00 (-5.49%)	$95,234 (+3%) Land $24,850 Building $70,384	$285,701 (+3%) Land $74,550 Building $211,151
2024	$3,391.00 (+1.86%) Additional exemption filed	$92,460 (+2.53%) Land $24,850 Building $67,610	$277,380 (+2.53%) Land $74,550 Building $202,830
2023	$3,329.00 Additional exemption filed	$90,180 (-2.87%) Land $24,850 Building $65,330	$270,540 (-2.87%) Land $74,550 Building $195,990
2022	Additional exemption filed	$92,841 Land $24,850 Building $67,991	$278,524 Land $74,550 Building $203,974

Assessed value is set for property tax purposes, not a market price estimate; it is 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	2 in force
Nearby Flood Claims	3 (2025–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2026 · 2 claims

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	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	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 169 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Pine Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures