403 E Aztec Ave, Gallup, NM 87301 Property Records

McKinley County property record for 403 E Aztec Ave, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.066 acres (2,889 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,506 (Jul 2026)
Tax Bill	$715 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-105-088-387-191`

Property Details

APN / Parcel Number

Primary APN	`2-105-088-387-191`
Alternative APN	`R654132`

Exterior

Lot Area	2,889 sqft (0.066 acres)

Location & Zoning

Account Number	R654132
Street Address	403 E AZTEC AVE
City	GALLUP
State	NM
Zip	87301-6054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13A, OF THE REDIVISION OF LOTS 13 THRU 15, BLOCK 10, A& P RAILWAY CO. ADDN. BK 4 PGS 4834-35 6/3/92 PLAT FILED 1/26/89 BK
Legal Subdivision	A & P RAILWAY CO. ADDN
Legal Block	10
Legal Lot Number	13,13A
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	2
Census Block	2001
Census Tract	945400

Owner

Source: McKinley County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	306 E MORGAN AVE, GALLUP, NM 87301-6175
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Jun 11, 2024 · Amount on Record
Deed Document Number	2026415403
Prior Transfer Date	Jun 6, 2024
Prior Transfer Doc	0000407589
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Jul 30, 2026
Property Address	403 E AZTEC AVE, GALLUP, NM 87301-6054
Document Number	0000415403
Instrument Date	Jul 23, 2026
Instrument	2026415403
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	FOUR CORNERS ABSTRACT CORPORATION, FOUR CORNERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	306 E MORGAN AVE, GALLUP, NM 87301-6175

Mortgage

Document Number	0000415404,
Date	Jul 30, 2026
Instrument	2026415404

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
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
2025	$715.00 (+127.71%)	$20,000 (+138.38%) Land $3,750 Building $16,250	$60,000 (+138.38%) Land $11,250 Building $48,750
2024	$314.00 (-1.88%)	$8,390 (-1.1%) Land $3,750 Building $4,640	$25,170 (-1.1%) Land $11,250 Building $13,920
2023	$320.00	$8,483 (-9.98%) Land $3,750 Building $4,733	$25,450 (-9.97%) Land $11,250 Building $14,200
2022		$9,423 Land $3,750 Building $5,673	$28,268 Land $11,250 Building $17,018

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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