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Single Family ResidentialResidential
$444,507
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 71How 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

138 LOWER TERRACE DR

RUIDOSO, NM 88345
0
Baths
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.

Valuation

$445K
$315K low$574K 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.$269,307
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$215,446
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.41%
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.$175,200
FIRSTLIGHT FCU · recorded Apr 30, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,804 (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.$92,862 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,635
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$78,227
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$90,158
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$278,586

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.0.22

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.

E
Sierra Vista Primary SchoolC+
Elementary · Grades PK–2 · 1.6 mi
H
Ruidoso High SchoolC
High · Grades 9–12 · 1.7 mi
M
Ruidoso Middle SchoolB-
Middle · Grades 6–8 · 1.9 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

138 Lower Terrace 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.

  • Worth more than 82% of homes in Ruidoso 88345
  • Has a smaller lot than 78% of homes in Lincoln County
  • Newer than 95% 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
$141K$677K

This home is worth more than 82% 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$444,507
CheaperTypical $281,202Pricier

Pricier than 82% of homes nearby

Lot size0.22 ac
SmallerTypical 0.28 acBigger

Bigger than 34% of homes nearby

Year built2014
OlderTypical 1981Newer

Newer than 95% of homes nearby

How 138 Lower Terrace Dr ranks against every home in each area.
MeasureThis homeRuidoso 88345Lincoln County
Estimated valuepricier than$444,50782% of homes74% of homes
Lot sizebigger than0.22 ac34% of homes22% of homes
Year builtnewer than201495% of homes94% of homes

About 138 Lower Terrace Dr

How much is 138 Lower Terrace Dr, Ruidoso, NM worth?

The TopHap Estimate for 138 Lower Terrace Dr, Ruidoso, NM is $444,507 as of Jul 14, 2026. The likely range is $315,054 to $573,960. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 138 Lower Terrace Dr, Ruidoso, NM last sell?

138 Lower Terrace Dr, Ruidoso, NM last sold on Apr 30, 2015, according to the county's recorded deed.

When was 138 Lower Terrace Dr, Ruidoso, NM built?

138 Lower Terrace Dr, Ruidoso, NM was built in 2014, making it 12 years old.

What schools serve 138 Lower Terrace Dr, Ruidoso, NM?

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

How does 138 Lower Terrace Dr, Ruidoso, NM compare to other homes in Ruidoso 88345?

Among the 8,159 homes in Ruidoso 88345, it is worth more than 82% of them ($444,507 against a typical $281,202), its lot is bigger than 34% of them (0.22 ac against a typical 0.28 ac) and it is newer than 95% of them (2014 against a typical 1981). Measured against all of Lincoln County, it is worth more than 74% 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 138 Lower Terrace Dr, Ruidoso, NM?

The 2025 property tax bill for 138 Lower Terrace Dr, Ruidoso, NM was $2,804. The county assessed it at $92,862.

More homes on Lower Terrace Dr

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Assigned schools

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