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Single Family ResidentialResidential
$254,513
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 82How 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

103 CARDINAL DR

RUIDOSO DOWNS, NM 88346
0
Baths
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.

Valuation

$255K
$208K low$301K 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.$132,234
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$105,787
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.49%
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.$122,279
STEARNS LENDING INC · recorded Apr 13, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,164 (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.$38,540 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,106
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$35,434
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$37,418
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$115,620

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.0.23

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.

H
Ruidoso High SchoolC
High · Grades 9–12 · 2.4 mi
M
Ruidoso Middle SchoolB-
Middle · Grades 6–8 · 2.7 mi
E
Sierra Vista Primary SchoolC+
Elementary · Grades PK–2 · 3.2 mi

District: Ruidoso Municipal Schools

Neighborhood · ZIP 88346These 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.161
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.52

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.3.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.29%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.3,083
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$34,555
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$43,948
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.19 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.74%

Ownership

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

103 Cardinal Dr 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.

  • Has a smaller lot than 76% of homes in Lincoln County
  • Older than 65% of homes in Lincoln County

What homes are worth in Ruidoso Downs 88346

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

This home
$93K$2.4M

This home is worth more than 51% of homes in Ruidoso Downs 88346.

How it measures up in Ruidoso Downs 88346

The dot is this home. The mark in the middle is the typical home in Ruidoso Downs 88346.

Estimated value$254,513
CheaperTypical $251,559Pricier

Pricier than 51% of homes nearby

Lot size0.23 ac
SmallerTypical 0.29 acBigger

Bigger than 27% of homes nearby

Year built1978
OlderTypical 1984Newer

Newer than 38% of homes nearby

How 103 Cardinal Dr ranks against every home in each area.
MeasureThis homeRuidoso Downs 88346Lincoln County
Estimated valuepricier than$254,51351% of homes37% of homes
Lot sizebigger than0.23 ac27% of homes24% of homes
Year builtnewer than197838% of homes35% of homes

About 103 Cardinal Dr

How much is 103 Cardinal Dr, Ruidoso Downs, NM worth?

The TopHap Estimate for 103 Cardinal Dr, Ruidoso Downs, NM is $254,513 as of Jul 14, 2026. The likely range is $207,692 to $301,334. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 Cardinal Dr, Ruidoso Downs, NM last sell?

103 Cardinal Dr, Ruidoso Downs, NM last sold on Apr 13, 2011, according to the county's recorded deed.

When was 103 Cardinal Dr, Ruidoso Downs, NM built?

103 Cardinal Dr, Ruidoso Downs, NM was built in 1978, making it 48 years old.

What schools serve 103 Cardinal Dr, Ruidoso Downs, NM?

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

How does 103 Cardinal Dr, Ruidoso Downs, NM compare to other homes in Ruidoso Downs 88346?

Among the 1,787 homes in Ruidoso Downs 88346, it is worth more than 51% of them ($254,513 against a typical $251,559), its lot is bigger than 27% of them (0.23 ac against a typical 0.29 ac) and it is newer than 38% of them (1978 against a typical 1984). Measured against all of Lincoln County, it is worth more than 37% 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 103 Cardinal Dr, Ruidoso Downs, NM?

The 2025 property tax bill for 103 Cardinal Dr, Ruidoso Downs, NM was $1,164. The county assessed it at $38,540.

More homes on Cardinal Dr

Closest homes

More homes in Ruidoso Downs 88346

Assigned schools

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See this home in context

Open 103 Cardinal Dron TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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