Sandoval County property record for 497 Apache Loop SW, Rio Rancho, NM 87124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 793 sqft · built 1986 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $237,906 (Feb 2025) |
| Tax Bill | $1,132 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Feb 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-008-068-416-521 |
| Primary APN | 1-008-068-416-521 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 793 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 9,757 sqft (0.224 acres) |
| Account Number | R044979 |
|---|---|
| Street Address | 497 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: 18 |
| Legal Subdivision | CEDAR HILLS 6 |
| Legal Block | 6 |
| Legal Lot Number | 18 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 497 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 6, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 31, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2025 · Amount on Record |
| Deed Sale | Feb 6, 2025 · Amount on Record |
| Deed Document Number | 20252737 |
| Deed Book / Page | 428 / 2737 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Property Address | 497 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15720 BRIXHAM HILL AVE, CHARLOTTE, NC 28277-4651 |
| Document Number | 0000007497 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 425/7497 |
| Instrument | 2022007497 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 13, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Recording Date | Feb 6, 2025 |
| Property Address | 497 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000002737 |
| Book / Page | 428 / 2737 |
| Map Reference | MB 4 PG 13&14 |
| Instrument Date | Feb 5, 2025 |
| Instrument | 2025002737 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF NM INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 497 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000002738 |
|---|---|
| Date | Feb 6, 2025 |
| Instrument | 2025002738 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDOVAL NM |
| Property Address | 497 APACHE LOOP SW, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000018016 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 497 APACHE LOOP SW RIO RANCHO NM 871244254, RIO RANCHO, NM 87124-4254 |
| Document Number | 0000018016 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 000422/018016 |
| Instrument | 18016 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $73,851 (+135.13%) Land $17,000 Building $56,851 | $221,552 (+135.13%) Land $51,000 Building $170,552 | |
| 2025 | $1,132.00 (+4.62%) | $31,409 (+6.09%) Land $8,496 Building $22,913 | $94,227 (+6.09%) Land $25,488 Building $68,739 |
| 2023 | $1,082.00 | $29,607 Land $8,083 Building $21,524 | $88,819 Land $24,248 Building $64,571 |
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 93% of the US · lower than 99.6% of New Mexico |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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