Los Alamos County property record for 323 Joya Loop, White Rock, NM 87547
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 936 sqft · built 1966 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $158,800 (Jul 2020) |
| Tax Bill | $2,022 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Aug 2020 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-040-109-016-043 |
| Primary APN | 1-040-109-016-043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Roof Material | Shingle |
| Lot Area | 8,000 sqft (0.184 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R002244 |
|---|---|
| Street Address | 323 JOYA LOOP |
| City | WHITE ROCK |
| State | NM |
| Zip | 87547-3706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN MEADOWS 2 LOT: 093 S: 34 T: 19N R: 7E |
| Legal Range | 07E |
| Legal Township | 19N |
| Legal Section | 34 |
| Legal Subdivision | MOUNTAIN MEADOWS 2 |
| Legal Lot Number | 93 |
| Jurisdiction | LOS ALAMOS NM |
| Township / Civil Division | WHITE ROCK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 500 |
323 Joya Loop is owned and occupied by an individual who bought it in July 2020.
Source: Los Alamos County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| 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 |
|---|---|
| Oct 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SUNFLOWER BANK |
| Aug 4, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COUNTY OF LOS ALAMOS |
| Jul 28, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Jan 17, 2020 | Warranty Deed, Transfer · Stand-Alone Second Mortgage LOS ALAMOS SCHOOLS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2020 · Amount on File |
| Deed Sale | Jul 28, 2020 · Amount on File |
| Prior Sale | Jan 17, 2020 · Amount on File |
| Deed Document Number | 2020244133 |
| Deed Book / Page | 190 / 18 |
| Prior Transfer Date | Jul 27, 2020 |
| Prior Transfer Doc | 0000190/18 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | Oct 15, 2026 |
| Property Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| Document Number | 0000263757 |
| Instrument Date | Oct 9, 2026 |
| Instrument | 2026263757 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000263757, |
|---|---|
| Date | Oct 15, 2026 |
| Instrument | 2026263757 |
| Name | SUNFLOWER BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Property Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000190/110 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 190/110 |
| Instrument | 244225 |
| Name | COUNTY OF LOS ALAMOS |
|---|---|
| Type | Government Agency |
| Address | LOS ALAMOS, NM 87544 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 3, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | Jul 28, 2020 |
| Property Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| Document Number | 0000190/18 |
| Book / Page | 190 / 18 |
| Map Reference | DOC 5226 |
| Instrument Date | Jul 27, 2020 |
| Instrument | 244133 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| Document Number | 0000244134 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 244134 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOS ALAMOS NM |
| Recording Date | Jan 17, 2020 |
| Property Address | 323 JOYA LOOP, WHITE ROCK, NM 87547-3706 |
| Document Number | 00187/0801 |
| Book / Page | 187 / 0801 |
| Map Reference | DOC 5226 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 241916 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 324 JOYAL LOOP, WHITE ROCK, NM 87547-3707 |
| Document Number | 0000241915 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 241915 |
| Name | LOS ALAMOS SCHOOLS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2050 |
The 2026 property tax bill for 323 Joya Loop was $2,022.
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 | $2,022.00 | $87,760 (+3%) Land $30,820 Building $56,940 | $263,270 (+3%) Land $92,450 Building $170,820 |
| 2025 | $2,022.00 | $85,200 Land $30,210 Building $54,990 | $255,610 Land $90,640 Building $164,970 |
| 2023 | $1,927.00 (+2.34%) | $80,320 Land $29,250 Building $51,070 | $240,950 Land $87,750 Building $153,200 |
| 2022 | $1,883.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 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 323 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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