539 Apache Loop SW, Rio Rancho, NM 87124 Property Records

Sandoval County property record for 539 Apache Loop SW, Rio Rancho, NM 87124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 956 sqft · built 1986
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$240,983 (Jun 2023)
Tax Bill	$2,855 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-009-069-016-049`

Property Details

APN / Parcel Number

Primary APN	`1-009-069-016-049`
Alternative APNs	`R133832` `0133832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	956 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	8,625 sqft (0.198 acres)

Location & Zoning

Account Number	R133832
Street Address	539 APACHE LOOP SW
City	RIO RANCHO
State	NM
Zip	87124-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGAL: SUBD: CEDAR HILLS 6 BLOCK: 8 LOT: 13
Legal Subdivision	CEDAR HILLS 6
Legal Block	8
Legal Lot Number	13
Jurisdiction	SANDOVAL NM
Township / Civil Division	RIO RANCHO
Census Block Group	1
Census Block	1021
Census Tract	10713

Owner

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	539 APACHE LOOP SW, RIO RANCHO, NM 87124-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage DIRECTORS MORTGAGE INC
Jun 16, 2023	Warranty Deed, Transfer · FHA Mortgage DIRECTORS MORTGAGE INC
Jun 16, 2023	Deed, Transfer · Stand-Alone Second Mortgage DIRECTORS MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Feb 20, 2015 · Amount on Record
Deed Document Number	202311562
Deed Book / Page	426 / 11562
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDOVAL NM
Property Address	539 APACHE LOOP SW, RIO RANCHO, NM 87124-4234
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2506 ISLETA BLVD SW 8, 8, ALBUQUERQUE, NM 87105-5869

Mortgage

Document Number	0000002784
Date	Feb 12, 2024
Book Page	427/2784
Instrument	2024002784

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97035

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDOVAL NM
Recording Date	Jun 16, 2023
Property Address	539 APACHE LOOP SW, RIO RANCHO, NM 87124-4234
Document Number	0000011562
Book / Page	426 / 11562
Map Reference	MB 4 PG 13&14
Instrument Date	Jun 15, 2023
Instrument	2023011562
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF NM INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 APACHE LOOP SW, RIO RANCHO, NM 87124-4234

Mortgage

Document Number	0000011563
Date	Jun 16, 2023
Instrument	2023011563

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SANDOVAL NM
Recording Date	Jun 16, 2023
Property Address	539 APACHE LOOP SW, RIO RANCHO, NM 87124-4234
Document Number	0000011561
Book / Page	426 / 11561
Map Reference	MB 4 PG 13&14
Instrument Date	Jun 15, 2023
Instrument	2023011561
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	FIDELITY NATIONAL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011564
Date	Jun 16, 2023
Book Page	426/11564
Instrument	2023011564

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97035

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Sandoval County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	Sandoval County
Municipality	Rio Rancho City
Unified School District	Rio Rancho Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,601 (+3%) Land $16,949 Building $64,652	$244,805 (+3%) Land $50,848 Building $193,957
2025	$2,855.00 (+15%)	$79,225 (+153.4%) Land $17,000 Building $62,225	$237,675 (+153.4%) Land $51,000 Building $186,675
2023	$1,142.00 (+2.98%)	$31,265 (+3%) Land $7,192 Building $24,073	$93,795 (+3%) Land $21,577 Building $72,218
2022	$1,109.00	$30,354	$91,064 Land $20,947 Building $70,117

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
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.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 99.6% of New Mexico
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
NMSurf Fixed Wireless	200 / 50
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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