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106 Chiracahua Ln, Ruidoso, NM, 88345

1beds
1baths
670sqft
$315,000
$470price/sqft
$2,057/moest. monthly cost
$82,280/yrincome needed

About This Home

2024 Built Beautiful Custom Mountain Home with Garage! Be sure to view this wonderful 1 bedroom, 1 bathroom, cabin in Ruidoso with Tru-Log Steel Siding for fire protection and low maintenance. This home sits up on hill so you get some great views of the valley and canyon from the covered front porch. Below the home is a 2 car garage to protect your vehicles during inclement weather. The home boasts central AC/Heat, tiled walk-in shower, stackable washer/dryer, newer appliances, laminate plank flooring, metal roof, and is being sold partially furnished. Don't miss out on this one!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

6/10
Ruidoso Middle SchoolGrades 6-81.7 mi
4/10
Ruidoso High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Roof: Metal
  • Construction materials: Metal Siding,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Dishwasher,Gas Oven,Gas Range,Microwave,Refrigerator,Water Heater
  • Laundry features: Stacked

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Recessed Lighting
  • Flooring: Laminate
  • Fireplace features: Other

Heating & Cooling

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

Interior Area

  • Total interior livable area: 670 sqft

Property

Details

  • Parcel number: 4072062112286000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Patio & porch: Covered,Deck,Front Porch
  • Has view: Yes
  • View description: Canyon,Mountain(s),Valley,Trees/Woods

Lot

  • Lot size: 0.27 Acres
  • Features: Sloped Down,Interior Lot,Views

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Wildfire
    WildfireVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Wildfire
Lightning
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 $1,592$19,104
Home Insurance *$176$2,112
Property Taxes $141$1,692
Electricity $148$1,780
Total$2,057$24,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,525/yr
40% on housing$61,710/yr
45% on housing$54,853/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

$470This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$164
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
2026-03-05Listed for sale$335,000

New Construction

AgentShane B. Zimmerman
BrokerageFathom Realty NM

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