Otero County property record for 46 Big Tree Ln, Cloudcroft, NM 88317
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 708 sqft · built 1980 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $91,100 (Aug 2019) |
| Tax Bill | $425 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Jun 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 11O4075091061446 |
| Primary APN | 11O4075091061446 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 708 sqft Living Area |
| Gross Area | 748 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 11,021 sqft (0.253 acres) |
| Terrain | Mountain |
| Porch | Porch |
| Porch Area | 141 sqft |
| Deck Area | 110 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Propane |
| Sewer | Septic |
| Account Number | R039518 |
|---|---|
| Street Address | 46 BIG TREE LN |
| City | CLOUDCROFT |
| State | NM |
| Zip | 88317 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | SUBD: TWIN FORKS RANCH ESTATES #2 LOT 28 BLOCK: 3 |
| Legal Subdivision | TWIN FORKS RANCH ESTATES #2 |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | OTERO NM |
| Township / Civil Division | SOUTHEAST OTERO |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 901 |
Source: Otero County records, as of August 11, 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 | 5132 LA TASTE AVE, EL PASO, TX 79924-4631 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Jun 27, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2019 · Amount on Record |
| Deed Sale | Aug 9, 2019 · Amount on Record |
| Deed Document Number | 20196109 |
| Prior Transfer Date | Jun 25, 2018 |
| Prior Transfer Doc | 0201805551 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTERO NM |
| Property Address | 46 BIG TREE LN, CLOUDCROFT, NM 88317 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5132 LA TASTE AVE, EL PASO, TX 79924-4631 |
| Document Number | 0202310372 |
|---|---|
| Date | Nov 22, 2023 |
| Instrument | 202310372 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Sep 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTERO NM |
| Recording Date | Jun 27, 2018 |
| Property Address | 46 BIG TREE LN, CLOUDCROFT, NM 88317 |
| Document Number | 0000005551 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 5551 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1201 E HOLLY ST DEMING NM 880306008, DEMING, NM 88030-6008 |
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 | $28,208 (+3%) Land $2,847 Building $25,361 | $84,625 (+3%) Land $8,542 Building $76,083 | |
| 2025 | $425.00 (+4.17%) | $27,387 (+6.09%) Land $2,847 Building $24,540 | $82,161 (+6.09%) Land $8,542 Building $73,619 |
| 2023 | $408.00 | $25,815 Land $2,847 Building $22,968 | $77,445 Land $8,542 Building $68,903 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99.4% of the US · above 99.6% of New Mexico |
|---|---|
| Wildfire Likelihood | 4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TWIN FORKS MDWCA serves 1,274 people · EPA ID NM3571119 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| PVT Networks Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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