47 Pine Tree Rd, Ramah, NM 87321 Property Records

McKinley County property record for 47 Pine Tree Rd, Ramah, NM 87321

Property Summary

Property Type	Single Family Home
Lot Size	5.16 acres (224,900 sqft)
Owner	2 Individual Names on File
Last Sale	$204,000 (Jul 2019)
Tax Bill	$1,991 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-092-065-010-322`

Property Details

APN / Parcel Number

Primary APN	`2-092-065-010-322`
Alternative APN	`R213964`

Exterior

Lot Area	224,900 sqft (5.16 acres)

Location & Zoning

Account Number	R213964
Street Address	47 PINE TREE RD
City	RAMAH
State	NM
Zip	87321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18, BLOCK 10, TIMBERLAKE RANCH UNIT 4, 5.163 ACS M/L CODED IN SECTION 11
Legal Subdivision	TIMBERLAKE RANCH SUBDIVISION
Legal Block	10
Legal Lot Number	18
Legal Unit	4
Jurisdiction	MCKINLEY NM
Township / Civil Division	RED ROCK
Census Block Group	1
Census Block	1096
Census Tract	973100

Owner

47 Pine Tree Rd is owned and occupied by two individuals who bought it in July 2019.

Source: McKinley County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	47 PINE TREE RD, RAMAH, NM 87321
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 26, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Aug 23, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2019 · Amount on File
Deed Sale	Jul 26, 2019 · Amount on File
Prior Sale	Aug 23, 2017
Deed Document Number	2019389656
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKINLEY NM
Recording Date	Aug 31, 2026
Property Address	47 PINE TREE RD, RAMAH, NM 87321
Document Number	0000415688
Instrument Date	Jul 29, 2026
Instrument	2026415688
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415688,
Date	Aug 31, 2026
Instrument	2026415688

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Jul 26, 2019
Property Address	47 PINE TREE RD, RAMAH, NM 87321
Document Number	0000389656
Instrument Date	Jul 26, 2019
Instrument	389656
Transaction Type	Transfer
Record Updated	Jan 14, 2022

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	47 PINE TREE RD, RAMAH, NM 87321

Mortgage

Document Number	0000389657
Date	Jul 26, 2019
Instrument	389657

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Aug 23, 2017
Property Address	47 PINE TREE RD, RAMAH, NM 87321
Document Number	0000381737
Instrument Date	Aug 23, 2017
Instrument	381737
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 64, RAMAH, NM 87321-0064

Tax Assessment & Valuation

The 2025 property tax bill for 47 Pine Tree Rd was $1,991, down 7.9% from the year before.

Source: McKinley County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	McKinley County
Unified School District	Gallup-McKinley County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,800 (+3%) Land $4,771 Building $74,029	$236,399 (+3%) Land $14,312 Building $222,087
2025	$1,991.00 (-7.91%)	$76,505 (+3%) Land $4,740 Building $71,765	$229,514 (+3%) Land $14,220 Building $215,294
2024	$2,162.00 (+2.37%)	$74,277 (+3%) Land $4,740 Building $69,537	$222,830 (+3%) Land $14,220 Building $208,610
2023	$2,112.00 (+3.99%)	$72,113 (+1.53%) Land $4,740 Building $67,373	$216,340 (+1.53%) Land $14,220 Building $202,120
2022	$2,031.00	$71,025 Land $4,740 Building $66,285	$213,076 Land $14,220 Building $198,856

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.

Flood

FEMA maps place 47 Pine Tree Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 47 Pine Tree Rd is high, ranking above 77% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · above 68% of New Mexico
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Oso Internet Solutions Fixed Wireless	10 / 1

Cell Coverage

No cell data coverage reported

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