Sandoval County property record for 491 Apache Loop SW, Rio Rancho, NM 87124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,322 sqft · built 1986 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,242 (Apr 2025) |
| Tax Bill | $3,006 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Apr 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-008-068-407-501 |
| Primary APN | 1-008-068-407-501 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,322 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 9,757 sqft (0.224 acres) |
| Account Number | R031605 |
|---|---|
| Street Address | 491 APACHE LOOP SW |
| City | RIO RANCHO |
| State | NM |
| Zip | 87124-4254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEGAL: SUBD: CEDAR HILLS 6 BLOCK: 6 LOT: 15 |
| Legal Subdivision | CEDAR HILLS 6 |
| Legal Block | 6 |
| Legal Lot Number | 15 |
| Jurisdiction | SANDOVAL NM |
| Township / Civil Division | RIO RANCHO |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 10713 |
Source: Sandoval County records, as of September 14, 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 | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 25, 2025 | Warranty Deed, Transfer · FHA Mortgage BUILDERS CHOICE MORTGAGE LLC |
| Apr 5, 2023 | Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE |
| Apr 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage NUSENDA FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2025 · Amount on Record |
| Deed Sale | Apr 25, 2025 · Amount on Record |
| Prior Sale | Apr 5, 2023 · Amount on Record |
| Deed Document Number | 20259579 |
| Deed Book / Page | 428 / 9579 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Recording Date | Apr 25, 2025 |
| Property Address | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000009579 |
| Book / Page | 428 / 9579 |
| Map Reference | MB 4 PG 13&14 |
| Instrument Date | Apr 25, 2025 |
| Instrument | 2025009579 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000009580 |
|---|---|
| Date | Apr 25, 2025 |
| Instrument | 2025009580 |
| Name | BUILDERS CHOICE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Recording Date | Apr 5, 2023 |
| Property Address | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000006316 |
| Book / Page | 426 / 6316 |
| Map Reference | MB 4 PG 13&14 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 2023006316 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Recording Date | Apr 5, 2023 |
| Property Address | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000006317 |
| Book / Page | 426 / 6317 |
| Map Reference | MB 4 PG 13-14 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 2023006317 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 491 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000006318 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 2023006318 |
| Name | NUSENDA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
Source: Sandoval County assessment roll, as of September 14, 2026
| Type | Name |
|---|---|
| State | New Mexico |
| County | Sandoval County |
| Municipality | Rio Rancho City |
| Unified School District | Rio Rancho Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $93,045 (+8.92%) Land $17,000 Building $76,045 | $279,135 (+8.92%) Land $51,000 Building $228,135 | |
| 2025 | $3,006.00 (+0.27%) | $85,423 (+144.3%) Land $17,000 Building $68,423 | $256,270 (+144.29%) Land $51,000 Building $205,270 |
| 2024 | $2,998.00 (+134.59%) | ||
| 2023 | $1,278.00 | $34,967 Land $7,922 Building $27,045 | $104,903 Land $23,767 Building $81,136 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2006 · Severe Storms And Flooding |
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 | Low lower than 95% of the US · lower than 99.7% of New Mexico |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RIO RANCHO WATER & WW SERVICES serves 107,350 people · EPA ID NM3509623 |
|---|---|
| Water Source | Purchased surface water from ALBUQUERQUE WATER SYSTEM |
| Last State Inspection | Mar 2022 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected currently in violation since Mar 2026 |
| Monitoring and Reporting | 1 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Sparklight Cable | 1,000 / 50 |
| NMSurf Fixed Wireless | 200 / 50 |
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