439 3rd St, Ruidoso, NM 88345 Property Records

Lincoln County property record for 439 3rd St, Ruidoso, NM 88345

Property Summary

Property Type	Single Family Home
Details	525 sqft · built 1940
Lot Size	0.058 acres (2,507 sqft)
Owner	Company Name on File
Last Sale	$339,150 (Mar 2026)
Tax Bill	$909 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-071-065-133-089`

Property Details

APN / Parcel Number

Primary APN	`4-071-065-133-089`
Alternative APN	`123800`

Interior

Stories	1 Story
Building Area	525 sqft Living Area
1st Floor Area	525 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	2,507 sqft (0.058 acres)

Location & Zoning

Account Number	123800
Street Address	439 3RD ST
City	RUIDOSO
State	NM
Zip	88345-7552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUIDOSO PINE LODGE SD. BLOCK L LOT 20
Legal Subdivision	RUIDOSO PINE LODGE SD
Legal Block	L
Legal Lot Number	20
Jurisdiction	LINCOLN NM
Township / Civil Division	RUIDOSO
Census Block Group	1
Census Block	1028
Census Tract	960800

Owner

439 3rd St is owned by a company that bought it in March 2026.

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

Owner of Record	Company Name on File
Mailing Address	211 W YANDELL DR, EL PASO, TX 79902-3923
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2026	Warranty Deed, Transfer · Commercial Mortgage JOSEPHINE DE LA CRUZ IRA
Feb 6, 2017	Warranty Deed, Transfer LINCOLN COUNTY ABSTRACT AND TITLE, LINCOLN COUNTY ABSTRACT & TI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Prior Sale	Feb 6, 2017
Deed Document Number	20261400
Deed Book / Page	2026 / 4827
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NM
Property Address	439 3RD ST, RUIDOSO, NM 88345-7552
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 PENDALE RD, EL PASO, TX 79907-4933

Mortgage

Document Number	02024/1482
Date	Apr 2, 2024
Book Page	2024/1482
Instrument	202401482

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Mar 26, 2026
Property Address	439 3RD ST, RUIDOSO, NM 88345-7552
Document Number	02026/4827
Book / Page	2026 / 4827
Instrument Date	Mar 20, 2026
Instrument	202601400
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	346 PENDALE RD, EL PASO, TX 79907-4933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 W YANDELL DR, EL PASO, TX 79902-3923

Mortgage

Document Number	0020264829
Date	Mar 26, 2026
Instrument	2026/4829

Lender

Name	JOSEPHINE DE LA CRUZ IRA
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Feb 6, 2017
Property Address	439 3RD ST, RUIDOSO, NM 88345-7552
Document Number	2017/00684
Book / Page	2017 / 00684
Instrument Date	Feb 3, 2017
Instrument	201700684
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	LINCOLN COUNTY ABSTRACT AND TITLE, LINCOLN COUNTY ABSTRACT & TI

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	346 PENDALE RD, EL PASO, TX 79907-4933

Tax Assessment & Valuation

The 2025 property tax bill for 439 3rd St was $909.

Source: Lincoln County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	New Mexico
County	Lincoln County
Municipality	Ruidoso Village
Unified School District	Ruidoso Municipal Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,128 (-) Land $3,968 Building $26,160	$90,384 (-) Land $11,904 Building $78,480
2025	$909.00	$30,128 Land $3,968 Building $26,160	$90,384 Land $11,904 Building $78,480
2023	$874.00	$28,398 Land $3,740 Building $24,658	$85,194 Land $11,220 Building $73,974

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 439 3rd St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective March 7, 2017 · 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	18 (1986–2025)
Claims Outside the SFHA	9 of 18
Most Recent Claim	Jul 2025 · Severe Storms, Flooding, And Landslides
Claims by Event	Severe Storms, Flooding, And Landslides, Jul 2025 · 8 claims Severe Storms And Flooding, Jul 2008 · 4 claims

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

Wildfire risk around 439 3rd St is high, ranking above 76% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 76% of the US · above 65% of New Mexico
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RUIDOSO WATER SYSTEM serves 15,947 people · EPA ID NM3513114
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021 Treatment failure resolved · Feb 2018
Treatment and Procedure	Organic carbon removal Oct 2020
Monitoring and Reporting	2 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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
TDS Telecom Cable	1,000 / 20
Choice Broadband Fixed Wireless	400 / 80

May also be available: Verizon.

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