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13 Vienna Ter, Ruidoso, NM, 88345

4beds
4baths
2,088sqft
$449,360
$215price/sqft
$2,874/moest. monthly cost
$114,960/yrincome needed

About This Home

HUGE 4 Bedroom, 3.5 Bathroom family home right on the end of a cul-de-sac! 9 hole golf course, heated/seasonal swimming pool, pickleball courts, basketball court, fishing pond, clubhouse and MUCH more. NEW Bathrooms, NEW Kitchen Appliances and Flooring and NEW Stain on Both Decks. Great views of Golf Course and Creek. Wildlife Galore! Ample parking in a great location. Furnished including a pool table.MAKE AN OFFER TODAY!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-81.3 mi
4/10
Ruidoso High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1975

Materials

  • Roof: Composition,Pitched,Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Split Level
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Water Softener Owned,Water Heater,Washer

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Open Floorplan,Loft,Main Level Primary,Utility Room
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Insert
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Ceiling Fan(s),Wall Unit(s)

Interior Area

  • Total interior livable area: 2,088 sqft

Property

Details

  • Parcel number: 4072063057487000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Three Or More,Multi/Split
  • Stories: 3
  • Pool features: Association
  • Patio & porch: Deck,Balcony
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Golf Course
  • Waterfront features: Creek

Lot

  • Features: Corner Lot,Cul-De-Sac,Near Golf Course,On Golf Course,Views

Parking

  • Parking features: Attached,Garage
  • Has garage: 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

  • 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 $2,272$27,264
Home Insurance *$252$3,024
Property Taxes $202$2,424
Electricity $148$1,781
Total$2,874$34,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,537/yr
40% on housing$86,220/yr
45% on housing$76,640/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

$215This 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)

No zestimate history available

Price History

DateEventPrice
2025-12-15Price change$449,360
2025-08-29Listed for sale$459,360

For Sale by Agent

AgentMelinda Bower
BrokerageInnsbrook Village CC & Resort

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