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103 Nabors Ln, Ruidoso, NM, 88345

4beds
2baths
2,086sqft
$390,000
$187price/sqft
$2,514/moest. monthly cost
$100,560/yrincome needed

About This Home

Mountain home with Sierra Blanca views tucked under the tall pines! This versatile four-bedroom, two-bathroom home features two separate living areas, a main kitchen and a kitchenette creating the perfect mother-in-law or guest quarters. There are two bonus rooms that can be used as a shop, art studio, or flex space. Take in the Sierra Blanca views on the covered deck under the tall pines. This one level home comes with ample parking space, storage shed, and a large, fenced level back yard.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-81.9 mi
4/10
Ruidoso High SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 1972

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Disposal,Gas Water Heater,Microwave,Refrigerator
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Ceiling Fan(s),Eat-in Kitchen,In-Law Floorplan,Open Floorplan,Pantry,Main Level Primary
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,086 sqft

Property

Details

  • Parcel number: 4072065106191000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Exterior features: Dog Run,Rain Gutters,Storage
  • Fencing: Back Yard,Fenced
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods

Lot

  • Lot size: 0.25 Acres
  • Features: Gentle Sloping,Views,Wooded

Parking

  • Parking features: Driveway,Gravel
  • 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

  • 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 $1,972$23,664
Home Insurance *$219$2,628
Property Taxes $175$2,100
Electricity $148$1,780
Total$2,514$30,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,194/yr
40% on housing$75,420/yr
45% on housing$67,040/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

$187This 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)

No zestimate history available

Price History

DateEventPrice
2025-07-01Listed for sale$400,000
2019-05-17Sold--

For Sale by Agent

AgentBrant Hamilton
BrokerageFathom Realty NM

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