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Single Family ResidenceResidential
$819,000$150 / ft²
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
Last sold for $831,300 on Oct 29, 2020

3950 COTTONWOOD LN

ROSWELL, NM 88203
5
Beds
3
Baths
5,472 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.59 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
Year BuiltThe year the home was originally built, according to county records.
5
StoriesHow many floors the home has above ground.

Valuation

$819K
$759K low$879K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$831,300 · Oct 29, 2020
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.$104,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$83,200
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.87%
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.$445,000
CASTLE & COOKE MORTGAGE LLC · recorded Jul 27, 2021
2nd 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.$270,000
LOANDEPOT.COM LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,769 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$281,221 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,425
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$261,796
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$273,031
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$843,664

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.106 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 Residence
CountyCHAVES
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2010
Lot (acres)The size of the land the home sits on, from county records.2.59
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 369 ft²

Transaction History(3)

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.

M
Mountain View Middle SchoolD
Middle · Grades 6–8 · 1.9 mi
E
East Grand Plains Elementary SchoolB-
Elementary · Grades PK–5 · 2.7 mi
H
Roswell High SchoolD+
High · Grades 9–12 · 3.1 mi

District: Roswell Independent Schools

Neighborhood · ZIP 88203These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.25%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.28,868
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$40,424
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$56,666
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.16 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

3950 Cottonwood Ln 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.

  • Among the most valuable homes in Roswell 88203
  • Costs more per square foot than 88% of homes in Roswell 88203
  • Among the largest homes in Roswell 88203
  • Has a bigger lot than 95% of homes in Roswell 88203
  • Newer than 71% of homes in Roswell 88203

What homes are worth in Roswell 88203

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

This home
$45K$400K

This home is worth more than almost all homes in Roswell 88203.

How it measures up in Roswell 88203

The dot is this home. The mark in the middle is the typical home in Roswell 88203.

Estimated value$819,000
CheaperTypical $142,196Pricier

Pricier than almost all homes nearby

Price per ft²$150
CheaperTypical $107Pricier

Pricier than 88% of homes nearby

Living area5,472 ft²
SmallerTypical 1,292 ft²Bigger

Bigger than almost all homes nearby

Lot size2.59 ac
SmallerTypical 0.18 acBigger

Bigger than 95% of homes nearby

Year built1967
OlderTypical 1959Newer

Newer than 71% of homes nearby

How 3950 Cottonwood Ln ranks against every home in each area.
MeasureThis homeRoswell 88203Chaves County
Estimated valuepricier than$819,000almost all homesalmost all homes
Price per ft²pricier than$15088% of homes78% of homes
Living areabigger than5,472 ft²almost all homesalmost all homes
Lot sizebigger than2.59 ac95% of homes88% of homes
Year builtnewer than196771% of homes50% of homes

About 3950 Cottonwood Ln

How much is 3950 Cottonwood Ln, Roswell, NM worth?

The TopHap Estimate for 3950 Cottonwood Ln, Roswell, NM is $819,000 as of Jul 14, 2026. The likely range is $759,182 to $878,818. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3950 Cottonwood Ln, Roswell, NM last sell?

3950 Cottonwood Ln, Roswell, NM last sold on Oct 29, 2020 for $831,300, according to the county's recorded deed.

How big is 3950 Cottonwood Ln, Roswell, NM?

3950 Cottonwood Ln, Roswell, NM has 5 bedrooms, 3 bathrooms, 5,472 square feet of living space and a 2.59-acre lot.

When was 3950 Cottonwood Ln, Roswell, NM built?

3950 Cottonwood Ln, Roswell, NM was built in 1967, making it 59 years old. The building has 5 stories.

What schools serve 3950 Cottonwood Ln, Roswell, NM?

3950 Cottonwood Ln, Roswell, NM is assigned to Mountain View Middle School (middle), rated D; East Grand Plains Elementary School (elementary), rated B-; Roswell High School (high), rated D+. All sit in Roswell Independent Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3950 Cottonwood Ln, Roswell, NM compare to other homes in Roswell 88203?

Among the 10,965 homes in Roswell 88203, it is worth more than almost all of them ($819,000 against a typical $142,196), its price per square foot is higher than 88% of them ($150 against a typical $107), it is bigger than almost all of them (5,472 ft² against a typical 1,292 ft²), its lot is bigger than 95% of them (2.59 ac against a typical 0.18 ac) and it is newer than 71% of them (1967 against a typical 1959). Measured against all of Chaves County, it is worth more than almost all 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 3950 Cottonwood Ln, Roswell, NM?

The 2026 property tax bill for 3950 Cottonwood Ln, Roswell, NM was $5,769. The county assessed it at $281,221.

Closest homes

More homes in Roswell 88203

Assigned schools

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