623 N Third St, Gallup, NM 87301 Property Records

McKinley County property record for 623 N Third St, Gallup, NM 87301

Property Summary

Property Type	Single Family Home
Lot Size	0.157 acres (6,852 sqft)
Owner	Individual Name on File
Last Sale	$84,800 (Nov 2008)
Tax Bill	$741 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Mar 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-106-088-163-419`

Property Details

APN / Parcel Number

Primary APN	`2-106-088-163-419`
Alternative APN	`R015024`

Exterior

Lot Area	6,852 sqft (0.157 acres)

Location & Zoning

Account Number	R015024
Street Address	623 N THIRD ST
City	GALLUP
State	NM
Zip	87301-5237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 OF LOTS 1 & 2 BLOCK 11, BUBANY BURKE NORTHSIDE ADDN.DOC 342639 11/07/08 DOC 344824 04/28/09 CODE #2-106-088-163-419
Legal Subdivision	BUBANY BURKE NORTHSIDE ADDN
Legal Block	11
Legal Lot Number	1-2
Jurisdiction	MCKINLEY NM
Township / Civil Division	GALLUP
Census Block Group	1
Census Block	1029
Census Tract	945300

Owner

623 N Third St is owned and occupied by an individual who bought it in November 2008.

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

Owner of Record	Individual Name on File
Mailing Address	623 N THIRD ST, GALLUP, NM 87301-5237
Occupancy	Owner Occupied
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

Date	Document
Apr 28, 2009	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Mar 17, 2026	Quit Claim Deed, Transfer Quitclaim
Mar 17, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 7, 2008	Warranty Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2008 · Amount on File
Deed Sale	Nov 7, 2008 · Amount on File
Deed Document Number	2008342639
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKINLEY NM
Property Address	623 N THIRD ST, GALLUP, NM 87301-5237
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 NROTH 3RD STREET, GALLUP, NM 87301

Mortgage

Document Number	0000344825
Date	Apr 28, 2009
Instrument	344825

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1400 E NEWPORT CENTER DR, DEERFIELD BEACH, FL 33442

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2039

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCKINLEY NM
Recording Date	Mar 17, 2026
Property Address	623 N THIRD ST, GALLUP, NM 87301-5237
Document Number	0000414061
Instrument Date	Mar 5, 2026
Instrument	414061
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	625 N THIRD ST, GALLUP, NM 87301-5237

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCKINLEY NM
Recording Date	Mar 17, 2026
Property Address	623 N THIRD ST, GALLUP, NM 87301-5237
Document Number	0000414060
Instrument Date	Feb 25, 2026
Instrument	414060
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	625 N THIRD ST, GALLUP, NM 87301-5237

November 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCKINLEY NM
Recording Date	Nov 7, 2008
Property Address	623 N THIRD ST, GALLUP, NM 87301-5237
Document Number	0000342639
Instrument Date	Nov 7, 2008
Instrument	342639
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	623 N THIRD ST, GALLUP, NM 87301-5237

Mortgage

Document Number	0000342640
Date	Nov 7, 2008
Instrument	342640

Lender

Name	JPMORGAN CHASE BANK NA
Type	Seller
Address	1400 E NEWPORT CENTER DR, DEERFIELD BEACH, FL 33442

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 623 N Third St was $741, down 5.6% from the year before.

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		$22,225 (+3%) Land $5,850 Building $16,375	$66,677 (+3%) Land $17,551 Building $49,126
2025	$741.00 (-5.61%)	$21,578 (+3%) Land $5,740 Building $15,838	$64,735 (+3%) Land $17,220 Building $47,515
2024	$785.00 (+1.55%)	$20,950 (+2.33%) Land $5,740 Building $15,210	$62,850 (+2.33%) Land $17,220 Building $45,630
2023	$773.00 (-3.5%)	$20,473 (-6.19%) Land $5,740 Building $14,733	$61,420 (-6.19%) Land $17,220 Building $44,200
2022	$801.00	$21,825 Land $5,740 Building $16,085	$65,475 Land $17,220 Building $48,255

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 623 N Third St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014

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 623 N Third St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 416 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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