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Single Family ResidentialResidential
$130,900
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 63How 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

118 RIVER LN

RUIDOSO DOWNS, NM 88346
0
Baths
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.

Valuation

$131K
$82K low$180K 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.140%
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.$76,125
STATE NATIONAL BANK · recorded Jun 17, 2005
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.$76,125
STATE NATIONAL BANK
3rd 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.$5,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,138 (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.$38,159 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,402
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$32,757
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$37,048
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$114,477

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.129 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.0.25

Transaction History(2)

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 · 3.7 mi
M
Ruidoso Middle SchoolB-
Middle · Grades 6–8 · 3.8 mi
E
Sierra Vista Primary SchoolC+
Elementary · Grades PK–2 · 4.4 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

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

118 River 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.

  • Worth less than 91% of homes in Lincoln County
  • Has a smaller lot than 72% of homes in Lincoln County
  • Newer than 82% of homes in Ruidoso Downs 88346

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
$94K$2.4M

This home is worth more than 28% 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$130,900
CheaperTypical $251,843Pricier

Pricier than 28% of homes nearby

Lot size0.25 ac
SmallerTypical 0.3 acBigger

Bigger than 38% of homes nearby

Year built2000
OlderTypical 1984Newer

Newer than 82% of homes nearby

How 118 River Ln ranks against every home in each area.
MeasureThis homeRuidoso Downs 88346Lincoln County
Estimated valuepricier than$130,90028% of homes9% of homes
Lot sizebigger than0.25 ac38% of homes28% of homes
Year builtnewer than200082% of homes76% of homes

About 118 River Ln

How much is 118 River Ln, Ruidoso Downs, NM worth?

The TopHap Estimate for 118 River Ln, Ruidoso Downs, NM is $130,900 as of Jul 14, 2026. The likely range is $82,143 to $179,657. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When was 118 River Ln, Ruidoso Downs, NM built?

118 River Ln, Ruidoso Downs, NM was built in 2000, making it 26 years old.

What schools serve 118 River Ln, Ruidoso Downs, NM?

118 River Ln, 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 118 River Ln, 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 28% of them ($130,900 against a typical $251,843), its lot is bigger than 38% of them (0.25 ac against a typical 0.3 ac) and it is newer than 82% of them (2000 against a typical 1984). Measured against all of Lincoln County, it is worth more than 9% 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 118 River Ln, Ruidoso Downs, NM?

The 2025 property tax bill for 118 River Ln, Ruidoso Downs, NM was $1,138. The county assessed it at $38,159.

More homes on River Ln

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Assigned schools

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See this home in context

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