615 E Hill Ave, Gallup, NM 87301 Property Records

McKinley County property record for 615 E Hill Ave, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.198 acres (8,641 sqft)
Owner	Individual Name on Record
Last Sale	$171,564 (Apr 2023)
Tax Bill	$1,252 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-105-088-273-198`

Property Details

APN / Parcel Number

Primary APN	`2-105-088-273-198`
Alternative APN	`R208256`

Exterior

Lot Area	8,641 sqft (0.198 acres)

Location & Zoning

Account Number	R208256
Street Address	615 E HILL AVE
City	GALLUP
State	NM
Zip	87301-6060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 OF LOT 28, LOTS 29 & 30, BLOCK 9, COTTAGE HEIGHTS ADDN. DB 38-750 4/7/86 DOC 403940 04/14/23 DOC 403941 04/14/23 CODE 2-105-088-273-198
Legal Subdivision	COTTAGE HEIGHTS ADDN
Legal Block	9
Legal Lot Number	28-30
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	3
Census Block	3000
Census Tract	945400

Owner

Source: McKinley County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	615 E HILL AVE, GALLUP, NM 87301-6060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Apr 14, 2023	Warranty Deed, Transfer · FHA Mortgage NATIONS LENDING CORP
Apr 14, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Apr 14, 2023
Deed Document Number	2023403941
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKINLEY NM
Property Address	615 E HILL AVE, GALLUP, NM 87301-6060
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E HILL AVE, GALLUP, NM 87301-6060

Mortgage

Document Number	0000406506
Date	Feb 7, 2024
Instrument	406506

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	May 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Apr 14, 2023
Property Address	615 E HILL AVE, GALLUP, NM 87301-6060
Document Number	0000403940
Instrument Date	Apr 7, 2023
Instrument	403940
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	FOUR POINTS TITLE COMPANY, FOUR CORNERS TITLE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E HILL AVE, GALLUP, NM 87301-6060

Mortgage

Document Number	0000403942
Date	Apr 14, 2023
Instrument	403942

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

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

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Apr 14, 2023
Property Address	615 E HILL AVE, GALLUP, NM 87301-6060
Document Number	0000403941
Instrument Date	Apr 6, 2023
Instrument	403941
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	FOUR POINTS TITLE COMPANY, FOUR CORNERS TITLE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E HILL AVE, GALLUP, NM 87301-6060

Mortgage

Document Number	0000403943
Date	Apr 14, 2023
Instrument	403943

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: McKinley County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	New Mexico
County	McKinley County
Municipality	Gallup City
Unified School District	Gallup-McKinley County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,524 (+3%) Land $7,851 Building $29,673	$112,571 (+3%) Land $23,552 Building $89,019
2025	$1,252.00 (-5.58%)	$36,431 (+3%) Land $7,693 Building $28,738	$109,293 (+3%) Land $23,080 Building $86,213
2024	$1,326.00 (-2.5%)	$35,370 (-1.83%) Land $7,693 Building $27,677	$106,110 (-1.83%) Land $23,080 Building $83,030
2023	$1,360.00 (+55.25%)	$36,030 (-3.46%) Land $7,693 Building $28,337	$108,090 (-3.47%) Land $23,080 Building $85,010
2022	$876.00	$37,323 Land $7,693 Building $29,630	$111,971 Land $23,080 Building $88,891

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

Source: FEMA National Flood Hazard Layer, effective February 17, 2010 · 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	2 in force
Nearby Flood Claims	3 (2025–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2026 · 2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of New Mexico
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GALLUP WATER SYSTEM serves 20,880 people · EPA ID NM3508317
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2026
Monitoring and Reporting	4 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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Choice Broadband Fixed Wireless	400 / 80

May also be available: Verizon.

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