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Single Family ResidentialResidential
$366,056
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 SPOTTED OWL RD

RUIDOSO, NM 88345
0
Baths
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.

Valuation

$366K
$341K low$391K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$331,356
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$265,085
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.11%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$34,700
PIONEER BANK · recorded Jan 26, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$869 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$50,327 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,360
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$43,967
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$48,861
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,981

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyLincoln
Lot (acres)The size of the land the home sits on, from county records.0.46

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Sierra Vista Primary SchoolC+
Elementary · Grades PK–2 · 3.5 mi
M
Ruidoso Middle SchoolB-
Middle · Grades 6–8 · 4.1 mi
H
Ruidoso High SchoolC
High · Grades 9–12 · 4.2 mi

District: Ruidoso Municipal Schools

Neighborhood · ZIP 88345These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.8,198
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.206 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,458
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,013
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.74%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Spotted Owl Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Ruidoso 88345
  • Has a bigger lot than 77% of homes in Ruidoso 88345

What homes are worth in Ruidoso 88345

Each bar is how many homes fall in that price range. The marker is this home.

This home
$140K$660K

This home is worth more than 74% of homes in Ruidoso 88345.

How it measures up in Ruidoso 88345

The dot is this home. The mark in the middle is the typical home in Ruidoso 88345.

Estimated value$366,056
CheaperTypical $281,016Pricier

Pricier than 74% of homes nearby

Lot size0.46 ac
SmallerTypical 0.27 acBigger

Bigger than 77% of homes nearby

Year built1982
OlderTypical 1981Newer

Newer than 59% of homes nearby

How 109 Spotted Owl Rd ranks against every home in each area.
MeasureThis homeRuidoso 88345Lincoln County
Estimated valuepricier than$366,05674% of homes65% of homes
Lot sizebigger than0.46 ac77% of homes51% of homes
Year builtnewer than198259% of homes47% of homes

About 109 Spotted Owl Rd

How much is 109 Spotted Owl Rd, Ruidoso, NM worth?

The TopHap Estimate for 109 Spotted Owl Rd, Ruidoso, NM is $366,056 as of Jul 14, 2026. The likely range is $341,419 to $390,693. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When was 109 Spotted Owl Rd, Ruidoso, NM built?

109 Spotted Owl Rd, Ruidoso, NM was built in 1982, making it 44 years old.

What schools serve 109 Spotted Owl Rd, Ruidoso, NM?

109 Spotted Owl Rd, Ruidoso, NM is assigned to Sierra Vista Primary School (elementary), rated C+; Ruidoso Middle School (middle), rated B-; Ruidoso High School (high), rated C. All sit in Ruidoso Municipal Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Spotted Owl Rd, Ruidoso, NM compare to other homes in Ruidoso 88345?

Among the 8,159 homes in Ruidoso 88345, it is worth more than 74% of them ($366,056 against a typical $281,016), its lot is bigger than 77% of them (0.46 ac against a typical 0.27 ac) and it is newer than 59% of them (1982 against a typical 1981). Measured against all of Lincoln County, it is worth more than 65% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Spotted Owl Rd, Ruidoso, NM?

The 2025 property tax bill for 109 Spotted Owl Rd, Ruidoso, NM was $869. The county assessed it at $50,327.

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Assigned schools

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