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102 Pine Cone Ln, Alto, NM, 88312

5beds
3baths
3,500sqft
$724,500
$207price/sqft
$5,214/moest. monthly cost
$208,560/yrincome needed

About This Home

SPACIOUS REMODELED 5BD/3BA ALTO HOME! Golf membership and located on 1.12 acre (replat of three lots). Main level has 4BD/2BA as well as access to a large loft w/lots of multi-use space. Spacious great room offers high-vaulted, large-beamed and wood accent ceilings. Open kitchen with large island/breakfast bar with seating for 8 on diner stools, huge dining area, living area w/wood burning fireplace and expansive windows. Downstairs is the main en-suite BD/BR w/roll-in shower with access to a hot tub room. Three decks for relaxing and entertaining. Water softener and new aerobic septic system. Two car garage and furnished too. Enter from front or off of Brentwood in back.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
Capitan Elementary SchoolGrades PK-511.3 mi
5/10
Capitan Middle SchoolGrades 6-811.3 mi
9/10
Capitan High SchoolGrades 9-1211.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Materials

  • Roof: Metal,Pitched
  • Construction materials: Frame,Other,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mountain,Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Disposal,Refrigerator,Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Primary Downstairs,Open Floorplan,Loft
  • Number of fireplaces: 2
  • Fireplace features: Other,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,500 sqft

Property

Accessibility

  • Accessibility features: See Remarks

Details

  • Parcel number: 4071060505159000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Association
  • Patio & porch: Covered,Deck,See Remarks
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Valley,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 1.12 Acres
  • Features: Gentle Sloping,Interior Lot,Views,Wooded

Parking

  • Total spaces: 2
  • Parking features: Concrete,Driveway,Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Ice Storm
Hail
Strong Wind

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 $3,663$43,956
Home Insurance *$255$3,060
Property Taxes $1,048$12,576
Electricity $248$2,986
Total$5,214$62,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,765/yr
40% on housing$156,420/yr
45% on housing$139,040/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 88312$257
Lincoln County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 88312$282
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)

No zestimate history available

Price History

DateEventPrice
2026-04-27Price change$749,500
2025-05-06Price change$789,500
2024-09-24Listed for sale$829,500
2023-05-03Sold--
2023-02-16Listed for sale$699,000

For Sale by Agent

AgentLoverin Real Estate Team
BrokerageLoverin Real Estate

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