Los Alamos County property record for 322 Joya Loop, White Rock, NM 87547
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,215 sqft · built 1966 |
| Lot Size | 0.187 acres (8,125 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,555 (2026) |
| Deeds & Mortgages | Sep 2024 Reverse Mortgage Apr 2023 Reverse Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-040-109-021-060 |
| Primary APN | 1-040-109-021-060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| 1st Floor Area | 1,215 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Roof Material | Metal |
| Lot Area | 8,125 sqft (0.187 acres) |
| Garage Type | Attached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 194 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R002211 |
|---|---|
| Street Address | 322 JOYA LOOP |
| City | WHITE ROCK |
| State | NM |
| Zip | 87547-3707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN MEADOWS 2 LOT: 059 S: 34 T: 19N R: 7E |
| Legal Range | 07E |
| Legal Township | 19N |
| Legal Section | 34 |
| Legal Subdivision | MOUNTAIN MEADOWS 2 |
| Legal Lot Number | 59 |
| Jurisdiction | LOS ALAMOS NM |
| Township / Civil Division | WHITE ROCK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 500 |
322 Joya Loop is owned and occupied by an individual who acquired it in May 2024.
Source: Los Alamos County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2024 | Deed of Trust, Mortgage · Reverse Mortgage SOUTH RIVER MORTGAGE LLC |
| Apr 6, 2023 | Deed of Trust, Mortgage · Reverse Mortgage SMARTFI HOME LOANS LLC |
| May 13, 2024 | Transfer on Death Deed, Transfer |
| Jul 18, 2022 | Intrafamily Transfer, Transfer |
| Jul 18, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 13, 2024 |
| Transfer Doc | 0000256922 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Property Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 0000257952 |
|---|---|
| Date | Sep 30, 2024 |
| Instrument | 257952 |
| Name | SOUTH RIVER MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | ANNAPOLIS, MD 21401 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Property Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 0000254246 |
|---|---|
| Date | Apr 6, 2023 |
| Instrument | 254246 |
| Name | SMARTFI HOME LOANS LLC |
|---|---|
| Address | SAN DIEGO, CA 92122 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 910 Months |
| Due | Feb 27, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.83% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | May 13, 2024 |
| Property Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 0000256922 |
| Map Reference | DOC 5226 |
| Instrument Date | May 13, 2024 |
| Instrument | 256922 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Name | Verified Name |
|---|---|
| Address | 11719 BLUE RIBBON RD SE, ALBUQUERQUE, NM 87123-2296 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | Jul 18, 2022 |
| Property Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 000198/422 |
| Book / Page | 198 / 422 |
| Map Reference | DOC 5226 |
| Instrument Date | Jul 18, 2022 |
| Instrument | 252537 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 LOYA LOOP, WHITE ROCK, NM 87547 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | Jul 18, 2022 |
| Property Address | 322 JOYA LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 000198/422 |
| Book / Page | 198 / 422 |
| Map Reference | DOC 5226 |
| Instrument Date | Jul 18, 2022 |
| Instrument | 252537 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 LOYA LOOP, WHITE ROCK, NM 87547 |
The 2026 property tax bill for 322 Joya Loop was $1,555.
Source: Los Alamos County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Mexico |
| County | Los Alamos County |
| Unified School District | Los Alamos Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,555.00 | $67,470 (+2.99%) Land $26,010 Building $41,460 | $202,410 (+3%) Land $78,030 Building $124,380 |
| 2025 | $1,555.00 | $65,510 Land $25,530 Building $39,980 | $196,520 Land $76,580 Building $119,940 |
| 2023 | $1,482.00 (+25.81%) | $61,750 Land $24,670 Building $37,080 | $185,250 Land $74,020 Building $111,230 |
| 2022 | $1,178.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Joya Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 322 Joya Loop is moderate, ranking above 64% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 45% of New Mexico |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | LOS ALAMOS MUNICIPAL WATER SYSTEM serves 25,000 people · EPA ID NM3500115 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| NMSurf Fixed Wireless | 200 / 50 |
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