407 S First St, Gallup, NM 87301 Property Records

McKinley County property record for 407 S First St, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.124 acres (5,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,406 (Sep 2026)
Tax Bill	$1,239 (2025)
Deeds & Mortgages	Sep 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-105-088-460-094`

Property Details

APN / Parcel Number

Primary APN	`2-105-088-460-094`
Alternative APN	`R034436`

Exterior

Lot Area	5,424 sqft (0.124 acres)

Location & Zoning

Account Number	R034436
Street Address	407 S FIRST ST
City	GALLUP
State	NM
Zip	87301-6213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25A, BLOCK 19, A & P RAILWAY CO. ADDN. BK 16 PG 2721 2/7/01 DOC 375591 04/01/16 DOC 404804 07/20/23 DOC 405392 10/05/23 CODE 2-105-088-460-094
Legal Subdivision	A & P RAILWAY CO. ADDN
Legal Block	19
Legal Lot Number	25A
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	2
Census Block	2054
Census Tract	945400

Owner

Source: McKinley County records, as of October 20, 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	407 S FIRST ST, GALLUP, NM 87301-6213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	Jan 3, 2025
Deed Document Number	2026415767
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Sep 16, 2026
Property Address	407 S FIRST ST, GALLUP, NM 87301-6213
Document Number	0000415767
Instrument Date	Sep 14, 2026
Instrument	2026415767
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FOUR CORNERS ABSTRACT CORPORATION, FOUR CORNERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	407 S FIRST ST, GALLUP, NM 87301-6213

Mortgage

Document Number	0000415767,
Date	Sep 16, 2026
Instrument	2026415767

Lender

Name	BANK OF COLORADO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
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		$37,124 (+3%) Land $6,569 Building $30,555	$111,372 (+3%) Land $19,708 Building $91,664
2025	$1,239.00 (-5.49%)	$36,043 (+3%) Land $6,513 Building $29,530	$108,129 (+3%) Land $19,540 Building $88,589
2024	$1,311.00 (+21.5%)	$34,993 (-38.8%) Land $6,513 Building $28,480	$104,980 (-38.8%) Land $19,540 Building $85,440
2023	$1,079.00 (-48.55%)	$57,176 (+0.11%) Land $6,513 Building $50,663	$171,530 (+0.11%) Land $19,540 Building $151,990
2022	$2,097.00	$57,116 Land $6,513 Building $50,603	$171,349 Land $19,540 Building $151,809

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

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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