Otero County property record for 421 Upper Rio Penasco Rd, Cloudcroft, NM 88317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 768 sqft · built 1966 |
| Lot Size | 118 acres (5,172,097 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $6,956 (2025) |
| Deeds & Mortgages | May 2022 Sale Oct 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 11O4072098262066 |
| Primary APN | 11O4072098262066 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Interior Walls | Paneling |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 5,172,097 sqft (118 acres) |
| Terrain | Mountain |
| Garage Type | Detached |
| Garage Area | 800 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 96 sqft |
| Deck Area | 96 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Propane |
| Sewer | Septic |
| Account Number | R037004 |
|---|---|
| Street Address | 421 UPPER RIO PENASCO RD |
| City | CLOUDCROFT |
| State | NM |
| Zip | 88317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S: 12 T: 17 R: 12 NW1/4NE1/4,W1/2NE1/4NE1/2,SE1/4NW1/4,E1/2NE1/4NW1/4 |
| Legal Range | 12E |
| Legal Township | 17S |
| Legal Section | 12 |
| Jurisdiction | OTERO NM |
| Township / Civil Division | SOUTHEAST OTERO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 904 |
421 Upper Rio Penasco Rd is held in a trust since October 2025.
Source: Otero County records, as of October 21, 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 | Trust Name on File |
|---|---|
| Mailing Address | 40705 S COUNTY ROAD 1985, WOODWARD, OK 73801-5251 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| May 20, 2022 | Contract Sale, Transfer |
| Oct 31, 2025 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2025 |
| Deed Sale | Oct 31, 2025 |
| Deed Document Number | 20259086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | OTERO NM |
| Recording Date | May 20, 2022 |
| Property Address | 421 UPPER RIO PENASCO RD, CLOUDCROFT, NM 88317 |
| Document Number | 0202205079 |
| Instrument Date | May 11, 2022 |
| Instrument | 202205079 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2111 48TH ST, WOODWARD, OK 73801-3817 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OTERO NM |
| Recording Date | Oct 31, 2025 |
| Property Address | 421 UPPER RIO PENASCO RD, CLOUDCROFT, NM 88317 |
| Document Number | 0202509086 |
| Instrument Date | May 11, 2022 |
| Instrument | 202509086 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
The 2025 property tax bill for 421 Upper Rio Penasco Rd was $6,956.
Source: Otero County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New Mexico |
| County | Otero County |
| Unified School District | Cloudcroft Municipal Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,677 (+0.28%) Land $317,444 Building $21,233 | $1,016,032 (+0.28%) Land $952,333 Building $63,699 | |
| 2025 | $6,956.00 | $337,739 Land $317,444 Building $20,295 | $1,013,218 Land $952,333 Building $60,885 |
| 2023 | $6,949.00 | $335,944 Land $317,444 Building $18,500 | $1,007,833 Land $952,333 Building $55,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Upper Rio Penasco Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 3, 2015 · 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 |
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 421 Upper Rio Penasco Rd is extreme, ranking above 99.7% of the US, with a 4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99.7% of the US · above 99.9% of New Mexico |
|---|---|
| Wildfire Likelihood | 4% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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