511 3rd St, Ruidoso, NM 88345 Property Records

Lincoln County property record for 511 3rd St, Ruidoso, NM 88345

Property Summary

Property Type	Other Improved
Details	1,745 sqft · built 2011
Lot Size	0.588 acres (25,613 sqft)
Owner	2 Individual Names on File
Last Sale	$218,800 (Sep 2019)
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-071-065-081-092`

Property Details

APN / Parcel Number

Primary APN	`4-071-065-081-092`
Alternative APN	`1006310`

Interior

Stories	1 Story
Building Area	1,745 sqft Living Area
1st Floor Area	1,745 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	25,613 sqft (0.588 acres)

Location & Zoning

Account Number	1006310
Street Address	511 3RD ST
City	RUIDOSO
State	NM
Zip	88345
Property Category	Other
Property Type	Other > Other Improved
Legal Description	FLUME CANYON SD. BLOCK IV LOT 2A CONT'G. 0.588 ACRES
Legal Subdivision	FLUME CANYON SD
Legal Block	4
Legal Lot Number	2A
Jurisdiction	LINCOLN NM
Township / Civil Division	RUIDOSO
Census Block Group	1
Census Block	1031
Census Tract	960800

Owner

511 3rd St is owned by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 COPPERWOOD DR, FORT WORTH, TX 76108-9478
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2019 · Amount on File
Deed Sale	Sep 18, 2019 · Amount on File
Prior Sale	Aug 8, 2012 · Amount on File
Deed Document Number	20195005
Deed Book / Page	2019 / 5005
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	02012/4928
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NM
Recording Date	Sep 18, 2019
Property Address	511 3RD ST, RUIDOSO, NM 88345
Document Number	2019/05005
Book / Page	2019 / 05005
Map Reference	CAB J SL 240
Instrument Date	Sep 18, 2019
Instrument	201905005
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4005 EDGEBROOK DR, MIDLAND, TX 79707-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 COPPERWOOD DRIVE, ARLINGTON, TX 76018

Mortgage

Document Number	0201905006
Date	Sep 18, 2019
Instrument	201905006

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 511 3rd St was $3,463.

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		$114,465 (-) Land $7,282 Building $107,183	$343,395 (-) Land $21,846 Building $321,549
2025	$3,463.00	$114,465 Land $7,282 Building $107,183	$343,395 Land $21,846 Building $321,549
2023	$3,363.00	$107,894 Land $6,864 Building $101,030	$323,682 Land $20,592 Building $303,090

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 511 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 511 3rd St is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 91% of the US · above 87% of New Mexico
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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.

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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