Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$287,297
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 85How 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

108 CUMMINGS DR

RUIDOSO, NM 88345
0
Baths
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.

Valuation

$287K
$244K low$331K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.166%
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.$301,500
FLAGSTAR BANK FSB · recorded Jul 20, 2018
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.$160,000
FLAGSTAR BANK FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,775 (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.$127,013 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,216
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$102,797
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$123,314
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$381,039

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.0.29

Transaction History(4)

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 · 2.2 mi
M
Ruidoso Middle SchoolB-
Middle · Grades 6–8 · 2.6 mi
E
Sierra Vista Primary SchoolC+
Elementary · Grades PK–2 · 2.7 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.Owner occupied
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

108 Cummings 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 66% of homes in Lincoln County
  • Newer than 91% 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$648K

This home is worth more than 53% 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$287,297
CheaperTypical $281,061Pricier

Pricier than 53% of homes nearby

Lot size0.29 ac
SmallerTypical 0.28 acBigger

Bigger than 53% of homes nearby

Year built2006
OlderTypical 1981Newer

Newer than 91% of homes nearby

How 108 Cummings Dr ranks against every home in each area.
MeasureThis homeRuidoso 88345Lincoln County
Estimated valuepricier than$287,29753% of homes48% of homes
Lot sizebigger than0.29 ac53% of homes34% of homes
Year builtnewer than200691% of homes86% of homes

About 108 Cummings Dr

How much is 108 Cummings Dr, Ruidoso, NM worth?

The TopHap Estimate for 108 Cummings Dr, Ruidoso, NM is $287,297 as of Jul 14, 2026. The likely range is $243,599 to $330,995. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Cummings Dr, Ruidoso, NM last sell?

108 Cummings Dr, Ruidoso, NM last sold on Jul 20, 2018, according to the county's recorded deed.

When was 108 Cummings Dr, Ruidoso, NM built?

108 Cummings Dr, Ruidoso, NM was built in 2006, making it 20 years old.

What schools serve 108 Cummings Dr, Ruidoso, NM?

108 Cummings Dr, Ruidoso, 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 108 Cummings Dr, Ruidoso, NM compare to other homes in Ruidoso 88345?

Among the 8,159 homes in Ruidoso 88345, it is worth more than 53% of them ($287,297 against a typical $281,061), its lot is bigger than 53% of them (0.29 ac against a typical 0.28 ac) and it is newer than 91% of them (2006 against a typical 1981). Measured against all of Lincoln County, it is worth more than 48% 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 108 Cummings Dr, Ruidoso, NM?

The 2025 property tax bill for 108 Cummings Dr, Ruidoso, NM was $3,775. The county assessed it at $127,013.

More homes on Cummings Dr

Closest homes

More homes in Ruidoso 88345

Assigned schools

Explore the area

See this home in context

Open 108 Cummings Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map