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1011 Hull Rd, Ruidoso, NM, 88345

4beds
4baths
3,839sqft
$785,000
$204price/sqft
$5,035/moest. monthly cost
$201,400/yrincome needed

About This Home

CURB APPEAL, BEAUTIFULLY LANDSCAPED, PLUS ABUNDANT STORAGE will welcome you to the mountains of Ruidoso, NM. With 4 bedrooms, 3-1/2 baths, you will appreciate the approx.. 3839 sq. ft. this home has to offer. Two living areas plus bonus room to suit your own needs. Back yard pond includes bronze sculpture of geese in flight. Garage has been used used as workshop space. Plentiful parking with circle drive and easy year round access.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
Ruidoso Middle SchoolGrades 6-80.9 mi
4/10
Ruidoso High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 1987

Materials

  • Roof: Metal,Pitched
  • Construction materials: Frame,Stone Veneer,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Mountain
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator,Range Hood,Water Softener Owned,Tankless Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Recessed Lighting,Storage,Loft,Utility Room,Workshop
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: See Remarks,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Forced Air,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 3,839 sqft

Property

Details

  • Parcel number: 4073062175477000000
  • Zoning: R1
  • Special condition: Third Party Approval
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Deck,Patio,See Remarks
  • Exterior features: Dog Run,Rain Gutters
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods
  • Waterfront features: Pond,See Remarks

Lot

  • Lot size: 0.48 Acres
  • Features: Gentle Sloping,Interior Lot,Rectangular Lot,Wooded

Parking

  • Total spaces: 1
  • Parking features: Garage,On Site
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather
Inland Flooding
Ice Storm

FEMA Declared Disasters in Lincoln County and New Mexico

Fire
Flood
Mud Landslide
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,969$47,628
Home Insurance *$441$5,292
Property Taxes $353$4,236
Electricity $272$3,275
Total$5,035$60,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,628/yr
40% on housing$151,050/yr
45% on housing$134,266/yr

New Mexico FAIR Plan Programs

New Mexico Property Insurance Program

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,506Commercial: 306
Total Premiums$5.96M
Total Exposure$950.67M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$163
Lincoln County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 88345$266
Lincoln County$275

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-18Listed for sale$785,000

For Sale by Agent

AgentRhonda Kay Albers
BrokerageColdwell Banker SDC

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