Rio Arriba County property record for 548 3rd St, Chama, NM 87520
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1994 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $921 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R008953 |
| Primary APN | R008953 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 768 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 14,375 sqft (0.33 acres) |
| Account Number | R008953 |
|---|---|
| Street Address | 548 3RD ST |
| City | CHAMA |
| State | NM |
| Zip | 87520-0449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD HARDING ADDITION LOT 29 AND- LOT 30 , S 14 T 31N R 03E 0.33 AC. BKPG 166823,185-A524,228,101,228704,258115,528667,528666 |
| Legal Range | 03E |
| Legal Township | 31N |
| Legal Section | 14 |
| Legal Subdivision | HARDING ADDITION |
| Legal Lot Number | 29-30 |
| Jurisdiction | RIO ARRIBA NM |
| Township / Civil Division | TIERRA AMARILLA |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 500 |
548 3rd St is held in a trust since July 2024.
Source: Rio Arriba County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 373, BLANCO, NM 87412-0373 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Aug 11, 2023 | Personal Representative Deed, Transfer |
| Jul 20, 2018 | Warranty Deed, Transfer CHAMA TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2024 |
| Deed Sale | Jul 19, 2024 |
| Prior Sale | Jul 20, 2018 |
| Deed Document Number | 20242911 |
| Deed Book / Page | 547 / 2911 |
| Prior Transfer Date | Jun 20, 2024 |
| Prior Transfer Doc | 00547/2476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIO ARRIBA NM |
| Property Address | 548 3RD ST, CHAMA, NM 87520-0449 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Title Company | TITLE SOURCES INC, TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0541/03304 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 541/03304 |
| Instrument | 201803304 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | RIO ARRIBA NM |
| Recording Date | Aug 11, 2023 |
| Property Address | 548 3RD ST, CHAMA, NM 87520-0449 |
| Document Number | 00546/3392 |
| Book / Page | 546 / 3392 |
| Map Reference | MB P-1105 PG 5844 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 202303392 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11516 ANNIAN WAY, ALBUQUERQUE, NM 87111 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RIO ARRIBA NM |
| Recording Date | Jul 20, 2018 |
| Property Address | 548 3RD ST, CHAMA, NM 87520-0449 |
| Document Number | 0541/03883 |
| Book / Page | 541 / 03883 |
| Map Reference | DOC151076 |
| Instrument Date | Jul 30, 2015 |
| Instrument | 201803883 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Title Company | CHAMA TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11516 APPIAN WAY NE, ALBUQUERQUE, NM 87111-5260 |
The 2025 property tax bill for 548 3rd St was $921, up 12.3% from the year before.
Source: Rio Arriba County assessment roll, as of January 8, 2026
| Type | Name |
|---|---|
| State | New Mexico |
| County | Rio Arriba County |
| Municipality | Chama Village |
| Unified School District | Chama Valley Independent Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $32,185 (+3%) Land $15,181 Building $17,004 | $96,555 (+3%) Land $45,543 Building $51,012 | |
| 2025 | $921.00 (+12.32%) | $31,247 (+3%) Land $15,083 Building $16,164 | $93,743 (+3%) Land $45,250 Building $48,493 |
| 2024 | $820.00 (-2.61%) | $30,338 (+3%) Land $15,004 Building $15,334 | $91,013 (+3%) Land $45,012 Building $46,001 |
| 2023 | $842.00 (+14.09%) | $29,455 (+3%) Land $15,007 Building $14,448 | $88,363 (+3%) Land $45,020 Building $43,343 |
| 2022 | $738.00 | $28,597 Land $14,570 Building $14,027 | $85,790 Land $43,709 Building $42,081 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 548 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective March 15, 2012 · 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 | 8 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2007 · tidal / storm surge |
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 risk around 548 3rd St is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 54% of New Mexico |
|---|---|
| Wildfire Likelihood | 0.2% 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 | CHAMA WATER SYSTEM serves 1,573 people · EPA ID NM3501021 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2023 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Jun 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Choice Broadband Fixed Wireless | 400 / 80 |
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
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